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Home Equity Loans                          


Let your house pay you back.

Your house is an asset that can help you reach other financial goals.  When you have equity in your house, you can turn it into an affordable home equity loan to be used for things like home improvements, vacations, bill consolidation, college tuition and more.  A couple of great advantages to a home equity loan or line of credit are that the interest may be tax deductible, and the minimal closing costs can be taken from the loan proceeds or paid directly at closing.    

Fixed-rate, fixed-term home equity loan – Apply once for a specific loan amount with a specific term.  Payments will be the same every month until the loan is paid off.  Perfect for members who want to borrow a certain amount and have set monthly payments

Variable-rate home equity line of credit –Apply for a credit limit that you can draw against in various amounts as needed.  Payments will vary from month to month.   


Home Equity Fixed Term
Effective Date: Monday, February 8th, 2016
Loan to ValueAPR as low as*Approximate Term
80.00% 4.24% up to 7 years
95.00% 4.69% up to 7 years

*Rates and terms may vary depending upon credit qualifications and lien position. A full appraisal may be required depending on credit score. Certain criteria must be met to qualify for 95% LTV. 

Home Equity Line of Credit
Effective Date: Monday, February 8th, 2016
Variable Rate
Loan to Value up toAPR as low as*Maximum APR
80.00% 3.75% 8.50%
90.00% 4.50% 8.75%
*Rates may vary based on credit qualifications. Certain criteria must be met to qualify for 95% LTV.

FAQs on common Home Equity Loan concerns

Q.  Which home equity loan is right for me?
Q.  How do I know if the home equity loan interest is tax deductible?
Q.  What can the funds be used for?

Apply Your Way

NMLS ID# 409008

Featured Rates

Featured Rates
Effective Date: Monday, February 8th, 2016
NameAPR as low as*

Loans (as low as)

Auto Loans 1.99% APR

Personal Loan Special

6.49% APR
*APR=Annual Percentage Rate. *APY=Annual Percentage Yield.

All Genisys Rates


Certificates 2.02% APY*
Money Market .45% APY
Equal Housing Lender National Credit Union Administration
Routing #272483905
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