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spring home equity

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

Launch your next project with a Home Equity Loan or Line of Credit!

Before you embark on your next project, check out our great low rates on Home Equity Loans and ask about the added flexibility available with our Everyday Equity Line of Credit. Whether you’re ready for a kitchen remodel, a landscaping update, or simply paying down tuition, our home loan solutions could be just the boost you’ve been looking for.

Plus! Ask how you can be entered to win 1 of 3 $1,000 Visa® Gift Cards!‡

Home Equity Loans

Home Equity Loans are perfect for major purchases or one-time expenses and feature:

  • Minimal closing costs!*
  • Fixed rates as low as 2.99% APR!*
  • Other rates and terms available for up to 15 years!*

Click here to view other rates and terms.

Everyday Equity Line of Credit

This unique home equity line of credit was designed with you in mind. It offers members:

  • Easy access to funds
  • Low monthly payments
  • Minimal closing costs*
  • Plus, our great low variable rates,* with the added flexibility to enjoy our competitive fixed rates on up to two segments!**

Click here for more information on Everyday Equity.

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

* APR = Annual percentage rate. The rate on the home equity loan is as of publication (3/15/2019). 2.99% APR available on A+ Credit for 36 month fixed-rate, closed-end, first lien position home equity loan. Minimum loan amount is $7,500.00. Sample payment on $7,500.00 borrowed for 36 months at 2.99% APR would require a monthly payment of $218.08. 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). Once approved, the rate will not change for the initial term of the loan. 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. Automatic payment preferred from a Service 1st deposit account. Other conditions/restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. Membership eligibility required. Offer valid through June 30, 2019.

** 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%. 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.

‡ Limited time offer. Restrictions apply. One (1) entry will be issued for any qualified loan opened between 3/15/2019 and 6/30/2019. Prize will be awarded to primary loan holder. Three (3) random winners will be chosen. Three (3) $1,000 gift cards will be awarded. Winners will be announced and notified by telephone by 7/31/19. Prize is nontransferable and cannot be exchanged. Reward may be reportable as taxable income. See tax specialist for details.