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smile | accomplish more with an everyday equity line of credit!

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Accomplish more with Everyday Equity!

Make your home your happy place! Combine the equity in your home and the flexibility you need to accomplish your goals with our Everyday Equity Line of Credit!

Whether you’re remodeling your home, tackling tuition payments, or planning to consolidate debt, Everyday Equity provides you a budget-friendly way to manage your next project! 

Everyday Equity is a home equity line of credit designed specifically with your budget in mind. It offers added flexibility, enabling you to “lock in” our already great, low fixed rates on up to two (2) segments of your line.** And, as you pay down these segments, the funds become available on your master line again.

Everyday Equity features:

  • Minimal closing costs!*
  • Low monthly payments!
  • Access to funds when you need them!
  • Great low variable rates on your master line!*
  • And, the flexibility to lock in our low fixed rates on up to two segments of your line.**

Click here to view our rates.

Click here for more information on Everyday Equity.


Home equity loans are also available. Contact us to inquire today.

Our knowledgeable team of experienced lenders will guide you through the process! Apply today!


*Minimum loan amount is $7,500.00. Your rate may vary and will be determined by your individual credit profile and your home’s available equity (determined by appraisal less any outstanding mortgages). Once approved, the segment rate will not change for the initial term of the loan. Owner occupied residences only. Minimum advance of $7,500.00 new money required to waive fees. 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. Homeowner’s insurance is required; flood insurance is required, where applicable. 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.

**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.