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the perfect tool

home equity financing

Apply Now Apply for your next loan from the comfort of your home or office.

How can you save money while you spend it? With home equity financing options at Service 1st, you'll be able to finance your next home improvement project, vacation or education expenses at a low interest rate and on your terms.

home equity loan

Best for major purchases or one-time expenses, our home equity loan offers a fixed rate for the full term of the loan, giving you the assurance that you'll never pay more than you expect in interest. And, with our low rates and no closing costs,** now is the perfect time to give your home a little more curb appeal or to tackle the renovation you've been dreaming about.

everyday equity line of credit

Ideal for expenses paid in installments, our home equity line of credit gives you the convenience and flexibility to draw money only when you need it. And, with our low rates and no closing costs,* now is the perfect time to open a home equity line of credit at Service 1st! Click here to learn more about Everyday Equity!

Plus! For a limited time, you can be entered to win a $1,000 Visa® Gift Card!†

home equity fixed rate & line of credit:

up to 36 months (rates as low as)2.99%
37 to 60 months (rates as low as)3.79%
61 to 84 months (rates as low as)4.29%
85 to 120 months (rates as low as)4.59%
121 to 144 months (rates as low as)4.79%
145 to 180 months (rates as low as)4.89%
everyday equity line-of-credit (HELOC)4.75%

what you should know about home equity lines of credit

Please click here to view the home loan toolkit.

*APR = Annual Percentage Rate. The APR is current as of 11/1/2019. Variable rate, subject to change monthly.  This rate varies with the market based on the Prime Rate published in the Wall Street Journal. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions.

**The fees to be waived are the Property Search, Flood Search and Recording Fee. If the loan is paid off within a 36 month period, fees may be reassessed and included in final payoff. The Satisfaction Fee will not be waived and will be collected at the end of the term of the loan. Any additional fees, including appraisal fees, will be the responsibility of the member. Other conditions/restrictions may apply. Programs, rates, terms and conditions are subject to change without notice.

†Limited time offer. Restrictions apply. One (1) entry will be issued for any qualified loan opened between 9/1/2019 and 12/31/2019. Prize will be awarded to primary loan holder. One (1) random winner will be chosen, one (1) $1000 gift card will be awarded. Winner will be announced and notified by telephone on 1/8/20. Prize is nontransferable and cannot be exchanged. Reward may be reportable as taxable income. See tax specialist for details.