Virtual Branch Online Banking

Click Here to Log In
First Time User? Enroll Now.

Home Equity Loan Promotion

Home Equity Loan Promotion

Apply for a Home Equity Loan

Put the Squeeze on Your Home’s Equity

Home equity fixed loan rates as low as 2.94% APR*
HELOC 6 month intro rates as low as 2.99% APR*

Whether you’re looking for a great rate on a home equity loan or home equity line of credit to help cover unexpected expenses, complete home improvements,  or more, Choice One can help you secure no fee** financing without the hassle.

Or, if you have questions call (800) 610-2788

Home Equity Loan Rates

APR* Info and/or Terms
As low as 2.94%* Term: Up to 58 Months

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 3.64%* Term: Up to 10 Years

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 4.94%* Term: Up to 5 Years
$75,000.00 Maximum Loan Amount or 80% LTV

Drive By Appraisal Required By Credit Union

$24,000.00 Maximum for Drive By Appraisal

*This rate includes the .25% discount with Auto Pay.
As low as 3.74%* Term: Up to 15 Years

Full Appraisal Required by the Credit Union

*This rate includes the .25% discount with Auto Pay.

Home Equity Line of Credit Rates

APR* Info and/or Terms
As low as 2.99%* Introductory Rate Term: Up to 20 Years
Regular Rate = Prime Rate Up to 80% Financing

Full Appraisal Required by the Credit Union

The special introductory rate is in effect until June 30, 2020. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum rate is 18.00%. Minimum rate 5.00%, The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. Rates shown are for qualified borrowers. Other rates and terms are available. Contact the credit union for the complete loan details.

*APR=Annual Percentage Rate. Rates shown are for qualified borrowers and are subject to change without notice. Rate shown for the Home Equity Fixed Rate includes a .25% discount for auto deduct from a Choice One share or share draft account. Additional rates and terms are available. Rates shown for HELOC is a special introductory rate for a 6-month period and in effect until June 30, 2020. At the end of the introductory rate term, the rate converts to the Prime Rate. Maximum Rate is 18.00%. Minimum Rate is 5.00%. Minimum monthly payment $100.00. The annual percentage rate can change quarterly on the first day of January, April, July and October. There is no limit on the amount by which the annual percentage rate can change during any one year period. Contact the credit union for complete details.

**No Closing Cost Promotion applies to first lien Home Equity products only. Closing costs will be reimbursed for the cost of originating your loan excluding any property tax or transfer fees. The Borrower agrees to reimburse the Lender the actual amount of bona fide third party fees paid on the Borrower’s behalf, as permitted by applicable law, if the loan is paid off within twenty four (24) months after consummation.

About Choice One

We serve more than 13,000 members (and counting) throughout Pennsylvania. If you live, work, worship, go to school or own a business entity in Luzerne, Lackawanna or Wyoming Counties, you are eligible to join. So, stop in today and see the difference at Choice One!

Latest News

Become a Member