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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
Mortgage Alert

Important message to our mortgage applicants 

Due to a high volume of applications, it may take us longer than normal to respond. Thank you for your patience as we process applications.

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.

Features/Benefits

Low fixed rates – You’ll have the same principal and interest payment for the life of the loan.
Terms up to 20 years – Terms from 5 to 20 years for 1-4 family primary residents and up to 15 years for second and investment properties to allow you to pick the payment that works best for you.
No prepayment penalties
Available in all 50 states
As Low As
3.74% APR
RATING
4.5 4.5 / 5 stars

TERM FOR RATE SHOWN

5 years

MAXIMUM CLTV FOR RATE SHOWN

80% of your home's value

Fixed-Rate Equity Loans Rates As Low As

The advertised rates are for 1-4 family primary residents with a combined loan-to-value (CLTV) of up to 80% of your home’s market value.

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}

Fixed-Rate Home Equity Loans Rates As Low As

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).

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}

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Plan for Your Mortgage

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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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220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
800.328.8797

ABA Routing Number: 211391825
NMLS# 466914

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