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everyday equity!

dream big!

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

The sky is the limit with Service 1st's Everyday Equity!

Paying tuition? Holiday spending? Planning vacation or maybe a remodeling project? Everyday Equity is the perfect solution. Plus you'll enjoy:

  • Our great low rates! (variable rate for line of credit and fixed rate for up to two segments.**)
  • The ability to access funds when you need them!
  • Low monthly payments!
  • Minimal closing costs.*
  • An efficient approval process.
  • Interest may be tax deductible.†
  • Minimum line amount $5,000.

Our knowledgeable team of experienced lenders will guide you through the process! Apply today!

*Your rate may vary and will be determined by your individual credit profile and your home’s available value (determined by appraisal less any outstanding mortgages). Minimum loan amount is $5,000. Minimum new money or advance amount at time of closing must be $7,500 to qualify for minimal closing costs. Owner-occupied residences only. 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. Membership eligibility required.

**Maximum of two (2) termed out segments within master line of credit at any one time. Segments have a fixed rate (the rate will not increase at any time while the plan is open), term and payment. Combined total of segments cannot exceed maximum amount of master line of credit. As balance of segment is reduced, it will proportionately increase available amount of master line of credit. The rate on the master line of credit portion is variable, Prime Rate + 0% for up to 80% LTV (loan to value), Prime Rate + 1% between 80.01% and 90% LTV and is subject to change monthly. This rate varies with the market based on the Prime Rate published in the Wall Street Journal. The annual percentage rate (APR) may increase after consummation; maximum ceiling APR is 18%.

†Consult a tax advisor for further information regarding the deductibility of interest and charges.
Equal Housing Lender Federally Insured by NCUA