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Use your home’s equity to fund life's major purchases or home improvements
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.
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.
Term Term | Rate Rate | APR² APR² | EMP¹ per $1,000 EMP¹ per $1,000 |
---|---|---|---|
Up to 5 Years | 3.74% | 3.74% | $18.30 |
Up to 10 Years | 4.74% | 4.74% | $10.48 |
Up to 15 Years | 4.99% | 4.99% | $7.90 |
Up to 20 Years | 5.49% | 5.49% | $6.87 |
Term Term | Rate Rate | APR² APR² | EMP¹ per $1,000 EMP¹ per $1,000 |
---|---|---|---|
Up to 5 Years | 3.74% | 3.74% | $18.30 |
Up to 10 Years | 4.74% | 4.74% | $10.48 |
Up to 15 Years | 4.99% | 4.99% | $7.90 |
Up to 20 Years | 5.49% | 5.49% | $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}
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.
Term Term | Rate Rate | APR² APR² | EMP¹ per $1,000 EMP¹ per $1,000 |
---|---|---|---|
Up to 5 Years | 4.49% | 4.49% | $18.64 |
Up to 10 Years | 5.49% | 5.49% | $10.85 |
Up to 15 Years | 5.74% | 5.74% | $8.30 |
Up to 20 Years | 6.24% | 6.24% | $7.30 |
Term Term | Rate Rate | APR² APR² | EMP¹ per $1,000 EMP¹ per $1,000 |
---|---|---|---|
Up to 5 Years | 4.49% | 4.49% | $18.64 |
Up to 10 Years | 5.49% | 5.49% | $10.85 |
Up to 15 Years | 5.74% | 5.74% | $8.30 |
Up to 20 Years | 6.24% | 6.24% | $7.30 |
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}
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. 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.
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