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take your list from “to do” to done!

Apply Now Apply for your next loan from the comfort of your home or office.

Everyday Equity provides you a budget friendly way to start checking projects off your list this season!

Combine the equity you’ve built in your home with the flexibility you need to achieve your goals!

If you are like most, in addition to home improvements, consolidating debt, paying tuition, getting ready to shop for the holidays and having emergency funds available are probably at the top of your list.

This unique home equity line of credit will allow you to conquer your list and more! In addition to our great low variable rates, you can choose to term out up to two (2) segments of your line with our competitive fixed rates!** And there is no additional cost to do so!

Everyday Equity Lines of Credit feature:
  • Easy access to funds!
  • Low monthly payments!
  • Minimal closing costs!*
  • Plus, the added flexibility to enjoy fixed rates as low as 2.89% APR for 36 months,* on up to two segments!**
Get started! Apply today!

Our knowledgeable team of experienced lenders will guide you through the process! Stop by, call 800.562.6049 or schedule an appointment today.

* APR = Annual percentage rate. The rate on the Everyday Equity Line of Credit (EELOC) segment is as of publication (10/1/2020). 2.89% APR available on A+ Credit for 36 month fixed-rate segment, first lien position EELOC. Minimum loan amount is $7,500.00. Sample payment on $7,500.00 borrowed for 36 months at 2.89% APR would require a monthly payment of $217.75. Your rate may vary and will be determined by your individual credit profile and your home’s available value (determined by appraisal less any outstanding mortgages). Once approved, the rate will not change for the initial term of the loan. Owner-occupied residences only. The fees to be waived are the Property Search, Flood Search and Recording Fee. If the loan is paid off within a 36 month period, fees may be reassessed and included in final payoff. The Satisfaction Fee will not be waived and will be collected at the end of the term of the loan. Any additional fees, including appraisal fees, will be the responsibility of the member. Automatic payment preferred from a Service 1st deposit account. Other conditions/restrictions may apply. Programs, rates, terms and conditions are subject to change without notice. Membership eligibility required. Offer valid through December 31, 2020.

** Segments have a fixed rate (the rate will not increase at any time while the plan is open), term and payment. Combined total of segments cannot exceed maximum amount of master line of credit. As balance of segment is reduced, it will proportionately increase available amount of master line of credit. The rate on the master line of credit portion is variable, Prime Rate + 0% for up to 80% LTV (loan to value), Prime Rate + 1% between 80.01% and 90% LTV and is subject to change monthly. This rate varies with the market based on the Prime Rate published in the Wall Street Journal. The annual percentage rate (APR) may increase after consummation; minimum floor APR is 3.50%, maximum ceiling APR is 18%. Programs, rates, terms and conditions are subject to change without notice. Membership eligibility required. Maximum of two (2) termed out segments within master line of credit at any one time.