Home Equity Rates

Check out our competitive rates on any of our loan or share account products. We also have a variety of interactive calculators that can help you plan for your future. You may also apply online for a number of our products and services.

Rates are effective as of May 01, 2013, and are subject to change. Annual Percentage Rates (APRs).

Home Equity Line of Credit Rates 6

Loan to Value 4 Margin APR
Up to 80% -0.750% 2.99%

5, 10, 15 Year Home Equity Loan Rates 1

Term & LTV 4 Loan Amount APR Monthly payment
per $1,000 5
5 Year up to 80% 2 $40,000 and up
Under $40,000		 3.50%
3.99%		 $18.19
$18.41
10 Year up to 80% 2 $40,000 and up
Under $40,000		 3.99%
4.50%		 $10.12
$10.36
15 Year up to 80% 2 $40,000 and up
Under $40,000		 4.50%
4.99%		 $7.65
$7.90
5 Year and
80.01% to 100%3		 Up to $50,000 5.99% $19.33
10 Year and
80.01% to 100% 3		 Up to $50,000 6.50% $11.35
15-Year and
80.01% to 100% 3		 Up to $50,000 6.99% $8.98

20 Year Home Equity Loan Rates

$30,000 Minimum Loan Amount and Loan-To-Value up to 80% 4

Term Loan Amount APR Monthly payment
per $1,000 5
20-Year Fixed 2 $40,000 and up
Under $40,000		 4.99%
5.50%		 $6.59
$6.88
7/20 ARM 2 $40,000 and up
Under $40,000		 4.75%
5.25%		 $6.46
$6.74
  1. Home Equity loan rates shown are for loans secured by a member's primary residence. Single family owner occupied vacation properties have a maximum LTV of 80%. Rates and terms vary for loans secured by other types of property. Rates reflect ¼% discount for automatic payment from a PFFCU account for applicable loans.
  2. Your rate will depend upon your Loan-To-Value ratio (LTV), the term of the loan and the loan amount.
  3. Your rate will depend upon your Loan-To-Value ratio (LTV) and the term of the loan.
  4. LTV is calculated based upon your loan amount plus any outstanding liens. This combined amount is divided by the appraised value of your home. The resulting ratio will be a factor in determining your interest rate and how much you can borrow. For LTV ratios of 80.01% - 100% the maximum PFFCU home equity loan amount is $50,000.
  5. To compute the monthly payment for a specific borrowed amount, multiply the per $1,000 payment factor by the number of thousand dollars borrowed. For example, if you borrow $30,000, multiply 30 by the figure specified next to the specific loan product.
  6. Home Equity Line of Credit rate reflects ¼% discount for automatic payment from a PFFCU account. The APR for HELOCs may not exceed the highest rate permitted by the National Credit Union Administration (currently 18%). The minimum APR that can apply during the term of this Line of Credit is 2.99%. The current Prime Rate is 3.25%, as of 04/16/2013. APR= Prime Rate - Margin. A Home Equity Line of Credit is a secured loan using your primary residence as collateral.
Home Equity - Start Now Financial Calculators PFFCU Mobile App

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