fbpx

Virtual Branch Online Banking

Home Equity Loans

Home Equity Loans

Apply for a Home Equity Loan

Fixed Home Equity Loan Rates As Low As 5.99% APR*

Apply today and pay no fees**

Access the equity in your home for less with Choice One. A home equity loan is a great low-rate borrowing option for mortgage refinancing, home remodels, debt consolidation, medical bills, or just about any large expense. Apply online today and in addition to locking in your low rate, you’ll pay no closing costs or fees.** Whether you’re upgrading your master bath or sending your child off to college, a home equity loan might just be the perfect solution to your financial needs.

Home Equity Loan Benefits

• Low Fixed Rate
• Borrow Up To 80% of value
• Terms up to 15 years
• No closing costs or fees**
• Interest may be tax-deductible depending on use***

***Check with your tax advisor. Home Equity Loan tax-deductible interest eligibility depends on your use of the funds and specific tax situation

Home Equity Loan Rates

APR* Info and/or Terms
As low as 5.99%* Term: Up to 58 Months

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 6.49%* Term: Up to 10 Years

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 6.74%* 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 6.99%* Term: Up to 15 Years

Full Appraisal Required by the Credit Union

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

*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 6/30/2024. 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 only. Third party fees will be reimbursed for the cost of originating your loan excluding any property tax or transfer fees.  Fee Reimbursement–The lender may have paid some third party fees associated with this loan.  Please refer to the Closing Disclosure provided prior to loan closing for an itemization of third party fees paid by the Borrower (if applicable), and those paid by the Lender on the Borrower’s behalf.  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

You are now leaving Choice One Community Credit Union

Choice One Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Choice One Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL