home equity financing

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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 minimal 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!


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)3.49%
61 to 84 months (rates as low as)3.99%
85 to 120 months (rates as low as)4.29%
121 to 144 months (rates as low as)4.49%
145 to 180 months (rates as low as)4.69%
everyday equity line-of-credit (HELOC)4.50%


don't forget, we're here to help!

Stop by a branch for the answers to all of your home equity questions, or to get started today!

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 1/1/2018. 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.

also see: calculate payments; mortgage

Service 1st Federal Credit Union, 1985 Montour Blvd., PO BOX 159, Danville, PA 17821. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.

Service 1st Federal Credit Union routing number: 231387602.

*APR denotes Annual Percentage Rate and APY denotes Annual Percentage Yield. Click here or call us at 800.562.6049 for more information regarding current rates, terms and conditions. All Credit Union loan and deposit programs, rates, terms and conditions are subject to change at any time without notice.

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Links to other websites found here are provided to assist in locating information. The mere fact that there is a link between this website and another does not constitute a product or program endorsement by Service 1st FCU or any of its employees. Service 1st FCU has no responsibility for content of the websites found at these links, or beyond, and does not attest to the accuracy or propriety of any information located there.