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What Can DCU Save You?

Home Equity Loans

Borrow for any purpose.

Compare Equity LinePLUS^ Fixed-Rate Equity Loans^
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
Annual Percentage Rates as low as: 4.75%*
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Ratings and Reviews 4.4 of 5 stars

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4.5 of 5 stars

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Rate type Rate can change monthly and is tied to the Prime Rate Rate is fixed for as long as you have your loan
Maximum term 20-year draw period with 20-year repayment 20 years
Maximum loan Up to 80% of home value minus first mortgage Up to 90% of home value minus first mortgage in MA and NH***
Minimum line or loan amount $15,000 $15,000
Annual fee None None
Points or closing costs None**** None****
Online and mobile access
DCU ATM Access
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* 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. Rates shown are as of . Our Best Rates are for members with the best credit. Other rates may apply.

** Rates determined by your personal credit history and loan-to-value.

*** Up to 80% in other states. Other restrictions may apply.

**** Excludes mortgage recording taxes in states where they are charged

^ Interest may be tax deductible. Please consult your tax advisor regarding interest deductibility.

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

Why Home Equity Loans?

Learn why home equity loans are a good option to finance the major purchases of your life.