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Home Equity Loan Rates

Home Equity Loan Rates

Apply for a Home Equity Loan

Apply Today & Pay No Fees**

Take advantage of our low-interest home equity loans for a home remodel, to consolidate debt or for any major expense. We offer low fixed rates and competitive terms on home equity loans for any need. Tap into the equity in your home with some great home equity loan rates today.

Home Equity Loan Rates

APR* Info and/or Terms
Effective Date: 01/01/2024
Rates Subject to Change at Anytime
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.

Home Equity Line of Credit Rates

APR* Info and/or Terms
Effective Date: 01/01/2024
Rates Subject to Change at Anytime
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 12/31/2024. 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 12/31/2024. 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.

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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!

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