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Home Equity Loans

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 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

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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

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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

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