Programs designed to help you better understand and manage your money.
We make accessing your money and your accounts easy.
We provide a range of free services and ways to making banking easier.
Committed to making a positive impact.
Your Recent Searches
No Recent Searches Found
Did you mean:
But let's try once more with some tweaks
- Make sure all words are spelled correctly
- Try using fewer words
- Try using more general keywords
- Try different keywords or spellings
Sorry, We couldn't find what you are looking for. It could be because of many reasons.
But let's try once more with some tweaks
- Make sure all words are spelled correctly
- Try using fewer words
- Try using more general keywords
- Try different keywords or spellings
Hi, anything I can help you with?
Home Equity Loans
Use your home’s equity to fund life's major purchases or home improvements
At a Glance
What will you do with your home’s equity? A DCU Fixed-Rate Equity Loan or Home Equity LinePLUS gives you the ability to borrow against your home’s equity to pay for major purchases, home improvements, and more.
Fixed-Rate Home Equity Loans
- No prepayment penalties
- Consistent payments – You’ll have the same principal and interest payment for the life of the loan. Fixed-Rate Home Equity loans are available in all 50 states.
- DCU service for the life of the loan – We’ll service your loan as long as you have it. No need to worry about making payments to a different lender.
- Online access – Manage your account through online and mobile banking from anywhere.
FIXED-RATE HOME EQUITY LOANS
As Low As
Fund life’s major purchases, home improvements, and more.
GET STARTEDTERM FOR RATE SHOWN
5 yearsMAX. CLTV FOR RATE SHOWN
80% of your home's valueLIEN POSITION
Secondary onlyFixed-Rate Home Equity Loan Rates
The advertised rates are for residences with a combined loan-to-value (CLTV) of up to 80% of your home’s market value and reflect the lowest rates available.
| Terms Terms | Rate Rate | APR² APR² | EMP¹ per $1,000 EMP¹ per $1,000 |
|---|---|---|---|
| Up to 5 Years | 4.240% | 4.49% | $18.53 |
| Up to 10 Years | 4.490% | 4.62% | $10.36 |
| Up to 15 Years | 4.740% | 4.83% | $7.77 |
| Up to 20 Years | 4.990% | 5.06% | $6.59 |
| Terms Terms | Rate Rate | APR² APR² | EMP¹ per $1,000 EMP¹ per $1,000 |
|---|---|---|---|
| Up to 5 Years | 4.240% | 4.49% | $18.53 |
| Up to 10 Years | 4.490% | 4.62% | $10.36 |
| Up to 15 Years | 4.740% | 4.83% | $7.77 |
| Up to 20 Years | 4.990% | 5.06% | $6.59 |
¹EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.
²APR = Annual Percentage Rates are subject to change any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply.
Rates are effective {currentdate}.
Fixed-Rate Home Equity Loan Rates
The advertised rates are for loans with a combined loan-to-value (CLTV) of up to 90% of your home’s market value (for primary residences in MA & NH only) and reflect the lowest rates available.
| Terms Terms | Rate Rate | APR² APR² | EMP¹ per $1,000 EMP¹ per $1,000 |
|---|---|---|---|
| Up to 5 Years | 4.740% | 5.15% | $18.75 |
| Up to 10 Years | 4.990% | 5.21% | $10.60 |
| Up to 15 Years | 5.240% | 5.39% | $8.03 |
| Up to 20 Years | 5.490% | 5.61% | $6.87 |
| Terms Terms | Rate Rate | APR² APR² | EMP¹ per $1,000 EMP¹ per $1,000 |
|---|---|---|---|
| Up to 5 Years | 4.740% | 5.15% | $18.75 |
| Up to 10 Years | 4.990% | 5.21% | $10.60 |
| Up to 15 Years | 5.240% | 5.39% | $8.03 |
| Up to 20 Years | 5.490% | 5.61% | $6.87 |
¹EMP = Estimated Monthly Payment is for principal and interest per $1,000 borrowed. Payment examples do not include taxes or insurance premiums, payment obligation will be higher.
²APR = Annual Percentage Rates are subject to change any time. Rates are determined by creditworthiness, loan-to value (LTV), occupancy status, property type and loan purpose, so your rate could be higher. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply.
Rates are effective {currentdate}.
Home Equity LinePlus (HELOC)
- No prepayment penalties
- DCU service for the life of the loan – We’ll service your loan as long as you have it. No need to worry about making payments to a different lender.
- Online access – Manage your account through online and mobile banking from anywhere.
- Fixed-rate option available – Offering the option to lock in at a fixed rate on up to two advanced portions of your loan at a time, minimum advance to lock is $5,000.00. Or advance what you need when you need it up to your available balance. Also, can be used as overdraft protection on your DCU Checking Account. DCU’s HELOC is not available in CT, NC, TX, WI & WV.
HOME EQUITY LINEPLUS LOANS
The power of your home's equity and the flexibility of a line of credit.
APPLY NOWMAX. CLTV FOR RATE SHOWN
80% of your home's valueHome Equity LinePLUS (HELOC) Rate
The advertised rate is shown for loans on a primary residence with a combined loan-to-value (CLTV) of 80% of your home’s market value.
| Rate Index Rate Index | APR¹ APR¹ |
|---|---|
| Prime + 1.24% | 4.49% |
| Rate Index Rate Index | APR¹ APR¹ |
|---|---|
| Prime + 1.24% | 4.49% |
Rates are effective {currentdate}.
¹APR = Annual Percentage Rate is variable, tied to the Prime Rate, and can change monthly with a minimum rate of 4.49% and a maximum rate of 18%. The Prime Rate is currently 3.25% as of March 16, 2020. 40-year term (20-year draw period followed by 20-year repayment period). To open a line of credit there may be certain fees paid to third parties at closing, unless otherwise noted, these fees generally total between $0 and $3,500.00. If you ask, we will give you an itemization of the these you may have to pay to third parties. Property and flood insurance (where applicable) may be required for the life of the loan. All loans are subject to approval, other conditions may apply.
Please refer to DCU's Early Federal Disclosure for more information on Home Equity rates, including historical rate examples. You may obtain this information by contacting DCU.
Plan for Your Mortgage Loan
Utilize our easy-to-use calculator to plan for your home.
- How much can I borrow against my home’s equity?
What Our Members Are Saying
People Also Shopped For
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
800.328.8797
ABA Routing Number: 211391825
NMLS# 466914
Download Our App
Federally insured by NCUA
