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Personal and Business Banking


Home Equity Loan and Line of Credit Rates

Low rates with interest that's tax deductible for most

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  • Equity LinePLUS
  • Fixed Rate Home Equity Loans

Equity LinePLUS

No annual fees.

Low minimum monthly payment – Only 1% of outstanding balance. Borrow up to 80%* of your home value minus your first mortgage.

Terms / Features Our Best Rate2
Rate Index APR
As low as Prime minus ¼% (.25%)1 5.00%

Rates are effective . Rates are variable, tied to the Prime Rate, and can change monthly.

1 - Please be aware that current market conditions may limit the amount of financing DCU can provide (examples: low property values, property located in a declining value area).

2 - Rates are determined by your personal credit history. Our Best Rates are for members with the best credit. Other rates may apply.

80% Loan to Value Max. Other restrictions may apply.

Available in all states with the exception of TX, CT, NC, WI and WV.

State mortgage taxes in FL, KS, LA, MD, MN, NY, OK, TN, and VA.

APR = Annual Percentage Rate.

Fixed-Rate Home Equity Loans Loan Rates

No annual fees. Borrow up to 80%* of your home value minus your first mortgage.

Up to 80% of home value2
Terms / Features Rate APR Estimated Monthly Payment
per $1,000
Up to 5 years 4.24% 4.385% $18.53
Up to 10 years 5.24% 5.335% $10.72
Up to 15 years 5.49% 5.561% $8.17
Up to 20 years 5.99% 6.052% $7.16
Up to 90% of home value2
Terms / Features Rate APR Estimated Monthly Payment
per $1,000
Up to 5 years 4.99% 5.162% $18.87
Up to 10 years 5.99% 6.101% $11.10
Up to 15 years 6.24% 6.322% $8.57
Up to 20 years 6.74% 6.812% $7.60

Rates are effective .

1 - Please be aware that current market conditions may limit the amount of financing DCU can provide (examples: low property values, property located in a declining value area).

2 - Minus the balance of your first mortgage.

**Excludes state mortgage taxes in FL, KS, MD, MN, NY, OK, TN, and VA.

90% Loan to Value for MA and NH Primary Residence only.

Assumptions: $20,000 Home Equity, MA, Worcester County, 740+ FICO.

Investment Property Home Equity Loans are limited to one loan per member, a $50,000 maximum loan amount and an 1% increase in rate.

APR = Annual Percentage Rate.