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Personal and Business Banking

DCU Home Equity Options

Home Equity Loans

Borrow for any purpose.

Equity Overview Equity LinePLUS1 Fixed-Rate Equity Loans1
  • Line of credit you use over and over
  • Can also have up to two fixed-rate advances
  • A single loan advance
  • Repay in equal installments
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Annual Percentage Rate (APR)
as low as:





by DCU Members
4.5 of 5 stars

4.5 out of 5 stars

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4.6 of 5 stars

4.6 out of 5 stars

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Rate type Variable
tied to the Prime Rate
for the life of the loan
Maximum term 20-year draw period with 20-year repayment 20 years
Maximum loan amount Up to 80% of home value minus first mortgage Up to 90% of home value minus the first mortgage in MA and NH4
Minimum amount financed $15,000 $15,000
Annual Fee
Points or closing costs5

Rates are effective .

1 - Interest may be tax deductible. Please consult your tax advisor regarding interest deductibility.
2 - Your APR (Annual Percentage Rate) will be based on your personal credit history and loan-to-value. Rates are variable, tied to the Prime Rate, and can change monthly. Other rates may apply. Maximum APR is 18%.
3 - Your APR (Annual Percentage Rate) will be based on your personal credit history and loan-to-value. Other rates may apply.
4 - Up to 80% in other states. Other restrictions may apply.
5 - Excludes mortgage recording taxes in states where they are charged.

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.

Investment Property Home Equity Loans are limited to one loan per member, a $50,000 maximum loan amount and an 1% increase in rate.

Learn why Home Equity Loans are a good option to finance life's major purchases.