Competitive Home Equity Loan Rates
Home Equity Loans Made Simple
Whether you're planning a renovation, consolidating debt, or covering a major expense, a home equity loan gives you access to funds with a fixed rate and predictable monthly payments.
We’ll connect you with a local mortgage expert who can walk you through your options and help you choose what works best for your goals.
- Lump sum cash upfront
- Fixed rates for consistent monthly payments
- No pressure—just clear, personalized guidance
Connect With A Home Equity Expert →
Not Sure Which Home Equity Option Is Right?
That's exactly why we're here. We'll help you choose the best option for your financial goals.
Guidance From Local Lending Experts
How It Works
1. Tell us about your goals
Share a few details so we can understand what your looking for
2. We review your eligibility
We will review your information and determine what your'e qualified for.
3. Get personalized loan options
A loan expert will provide you with options tailored for you.
Ways to Use a Home Equity Loan
Pay Off High-Interest Debt
Consolidate credit cards or loans into one manageable payment.
Home Improvements
Finance renovations, repairs, or upgrades.
Major Expenses
Cover large costs like education, medical bills, or life events.
Why Choose a Home Equity Loan?
Fixed Interest Rates Available
Predictable monthly payments that fit your budget.
Lower Rates Than Many Credit Options
Home equity loans often offer lower rates than credit cards or personal loans.
Access the Value of Your Home
Turn your home’s equity into usable funds.
Local Guidance You Can Trust
Work with a real person who helps you every step of the way.
Ready to Apply?
Create an account on our secure Home Loan Borrower Portal to begin your loan application.
You can save your progress at any time, upload required documents securely, and track your application status - all in one convenient place.
Home Equity Loans: Frequently Asked Questions
What is a home equity loan?
A home equity loan allows you to borrow against the value of your home and receive a lump sum with a fixed interest rate and predictable monthly payments.
How do home equity loans work?
Home equity loans use your home as collateral. You receive a set loan amount and repay it over time with fixed monthly payments, typically at a lower rate than unsecured credit options.
What can I use a home equity loan for?
Home equity loans can be used for debt consolidation, home improvements, major expenses, or other financial needs.
Annual Percentage Rate (APR)
All rates are subject to change without notice. Membership eligibility applies. Payments do not include taxes and insurance. Your payment may be greater. Subject to RFCU underwriting standards. Minimum loan amount is $25,000. Maximum loan amounts are as follow: $500,000 for a 1 unit primary residence with a maximum CLTV of 80%; $250,000 for a 2 unit primary residence with a CLTV of 80%; $250,000 for a 3-4 unit primary residence with a maximum CLTV of 75%; $250,000 for a 1 unit second home with a maximum CLTV of 80%. Property insurance is required and Flood Insurance may be required. Additional fees in the amount of $355 will be required if the property is held in a trust. Properties for sale or intended to be sold within the next 6 months are not allowed. Call us for current rate and terms.
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