Home Equity Loan

Pennsylvania Home Equity Loan & Line of Credit

Looking for a Pennsylvania home equit loan? Look no further than Choice One! Purchase your next house with a fixed home equity loan from us.You can choose from four Fixed Rate Home Equity Loan options and a Home Equity Line of Credit. You’ll have the money you need to consolidate bills, make home improvements, pay for college tuition, purchase a new vehicle, or to borrow the money you want for any good reason.

Fixed Home Equity Loan Rates in PA

Your home equity loan rate and monthly payment are fixed for the term of your loan. It’s the perfect solution when you want to know exactly how much your loan cost will be each month and allow for a scheduled repayment period.

$24,000 Loan Limit – 5 Year Term

  • Home equity loan rates in PA from Choice One Credit Union in Wilkes-Barre and Hazleton, PALow Fixed Rate
  • Borrow Up To $24,000
  • Terms Up To 5 Years
  • Drive By Appraisal Required
  • Interest Is Usually Tax Deductible*

 5 Year Term

  • Low Fixed Rate
  • Borrow Up To 80% of Value
  • Terms Up To 5 Years
  • Full Appraisal Required
  • Interest Is Usually Tax Deductible*

Improve your home with the help of a home equity line of credit from Choice One FCU.10 Year Term

  • Borrow Up To 80% of Value
  • Terms Up To 10 Years
  • Low Fixed Rate
  • Full Appraisal Required
  • Interest Is Usually Tax Deductible*

 15 Year Term

  • Borrow Up To 80% of value
  • Terms Up To 15 Years
  • Low Fixed Rate
  • Full Appraisal Required
  • Interest Is Usually Tax Deductible*

Home Equity Lines of Credit

Borrow the money you want as you need it.  As you pay back what you borrowed you can draw that amount again, and more – up to your line of credit limit.

  • Borrow up to 80% of Value
  • Terms Up To 20 years
  • Low Variable Rate
  • Full Appraisal Required
  • Interest Is Usually Tax Deductible*

Applying Is Fast & Easy

If you need help choosing the right equity loan option to fit your budget, stop by the credit union ‒ or you can apply online.

Home Equity Fixed

APR*Info and/or Terms
As low as 2.74%*Term: Up to 5 Years

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 3.99%*Term: Up to 10 Years

Full Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 6.24%*Term: Up to 5 Years
$24,000.00 Maximum Loan Amount

Drive By Appraisal Required By Credit Union

*This rate includes the .25% discount with Auto Pay.
As low as 3.99%*Term: Up to 15 Years

Full Appraisal Required by the Credit Union

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

Home Equity Adjustable

APR*Info and/or Terms
2.99% Introductory Rate

Regular Rate = Prime Rate
Term: Up to 20 Years

Up to 80% Financing

Full Appraisal Required by the Credit Union

The special introductory rate is in effect until June 30, 2017. 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.

*Check with your tax advisor. Home Equity Loan and Line of Credit tax-deductible interest eligibility depends on your specific tax situation. Most members qualify.

 

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