Skip to Main Content
Search modal

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

Displaying {start}-{end} of {total} search results

PREVIOUS
NEXT

Sorry, We couldn't find what you are looking for. It could be because of many reasons.

We're Here to Help

Email

Get assistance by Email.

Visit

Find a Branch or ATM.

Online Live Help

Chat with a Representative.

Online Live Help Hours

CHAT
MON-FRI: 8:00 AM to 9:00 PM (EST)
SAT: 9:00 AM to 3:00 PM (EST)
Renovated living room

Home Equity Loans

Home Equity Loans

Use your home’s equity to fund life's major purchases or home improvements

APPLY NOW

At a Glance

What will you do with your home’s equity? A DCU Fixed-Rate Equity Loan gives you the ability to borrow against your home’s equity to pay for major purchases, home improvements, and more.

Benefits

Low fixed rates – You’ll have the same payment for the life of the loan.
No balance requirements – Terms from 5 to 20 years allow you to pick the payment that works best for you.
No points or closing costs - Excluding state mortgage taxes in FL, KS, MD, MN, NY, OK, TN, and VA.
No pre-payment penalties
Available in all 50 states
As Low As
4.385% APR
RATING
4.5 4.5 / 5 stars

TERM FOR RATE SHOWN

5 years

MAXIMUM TERM

20 years

Fixed Rate Equity Loan Rates up to 80%

Combined loan-to-value (LTV) of 80% of your home’s market value. No points or closing costs.³

Term Term Rate Rate APR¹ APR¹ EMP² per $1,000 EMP² 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
Term Term Rate Rate APR¹ APR¹ EMP² per $1,000 EMP² 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

Rates are effective {currentdate}

¹APR = Annual Percentage Rates are subject to change any time. Rates are based on personal credit history, Loan-to-value and term, so your rate may differ. Manufactured and mobile homes have a maximum LTV of 65% Investment Property Home Equity fixed rate loans are limited to one loan per member, a $50,000 maximum loan amount, LTV restrictions and an 1% increase in rate. Applications are subject to approval, other conditions may apply. Property and flood insurance may be required.

²EMP = Estimated Monthly Payment

³ Excludes any state stamp or transfer taxes for states in FL, KS, MD, MN, NY, OK, TN, and VA.

Fixed Rate Home Equity Rates up to 90%

Combined loan-to-value (LTV) of 90% of your home’s market value (for primary residences in MA & NH only). No points or closing costs.³

Term Term Rate Rate APR¹ APR¹ EMP² per $1,000 EMP² 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
Term Term Rate Rate APR¹ APR¹ EMP² per $1,000 EMP² 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 {currentdate}

¹APR = Annual Percentage Rates are subject to change any time. Rates are based on personal credit history, Loan-to-value and term, so your rate may differ. Manufactured and mobile homes have a maximum LTV of 65% Investment Property Home Equity fixed rate loans are limited to one loan per member, a $50,000 maximum loan amount, LTV restrictions and an 1% increase in rate. Applications are subject to approval, other conditions may apply. Property and flood insurance may be required.

²EMP = Estimated Monthly Payment

³ Excludes any state stamp or transfer taxes for states in FL, KS, MD, MN, NY, OK, TN, and VA.

Plan for Your Mortgage

Choose from our easy to use calculators to help you manage or plan for your mortgage or home equity loan.

What Our Members Are Saying

Just what we needed

RATINGS 5 5 / 5 stars

The fact that DCU has the option to have a 90% LTV Home Equity Loan product game changer, and was the main deciding factor on choosing DCU. The service by all parties involved was fantastic. Highly recommend!

Michael – East Taunton, MA

READ MORE REVIEWS

Amazing service

RATINGS 5 5 / 5 stars

So easy to apply. Questions were answered quickly and in their entirety. Every step was explained. We closed early. We would definitely recommend DCU to anyone!

Pinepup – Phoenix, AZ

READ MORE REVIEWS

Great loan process & best rates

RATINGS 5 5 / 5 stars

DCU was a standout among all other lenders. The loan process was easy and fast, and they had the best rate by far. They also provided great support and were responsive throughout the process.

Chris – Louisville, KY

READ MORE REVIEWS

People Also Shopped For

Find out what other members have shopped for after viewing this product.
$0.00
Stop paying big bank fees. You could save with DCU.
OPEN NOW
LEARN MORE Free Checking
3.24% APR
Lower your rate, payment, or both when you refinance.
APPLY NOW
LEARN MORE Auto Refinance Loans
10.50% APR
Great rates with no annual fees, cash advance fees, or balance transfer fees.
APPLY NOW
LEARN MORE Visa® Platinum Credit Card
7.50% APR
Pay off credit cards or invest in home improvements with our traditional personal loan.
APPLY NOW
LEARN MORE Signature Personal Loans
1.56% APY
Earn dividends that often rival uninsured money market mutual funds. (Minimum to earn shown rate: $1,000)
JOIN NOW
LEARN MORE Money Marketing Savings

We're Here to Help

Email

Get assistance by Email.

Visit

Find a Branch or ATM.

Online Live Help

Chat with a Representative.

Online Live Help Hours

CHAT
MON-FRI: 8:00 AM to 9:00 PM (EST)
SAT: 9:00 AM to 3:00 PM (EST)

By using our website, you accept and agree that we may store and access cookies on the device you are using to access this site.

APR= Annual Percentage Rate.   |   APY= Annual Percentage Yield.

Rates displayed on this page are effective {currentdate} and are subject to change. View a full list of rates and rate determination criteria for all products by clicking here.

Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements for important information and disclosures.