Spring Home Equity
cha-ching!
Apply for your next loan from the comfort of your home or office.
Accomplish more this season and save!
Paying tuition? Consolidating debt? Planning a getaway? Accomplish everything on your list with Everyday Equity! Lock-in our great low fixed rates* on up to two segments of this unique home equity line of credit today!**
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.
As an additional benefit to our members, we'll also waive the Property Search Fee, Flood Search Fee and Recording Fee for qualifying Everyday Equity Lines of Credit!*
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!**
From now through June 30, 2024
- Lock-in fixed rates as low as 4.49% APR* for terms up to 36 months, on up to two segments of an Everyday Equity line of credit.
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!
*APR = Annual percentage rate. The rate on the Everyday Equity Line of Credit (EELOC) segment is as of publication (3/15/2024). 4.49% 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 4.49% APR would require a monthly payment of $223.10. 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. Normal underwriting guidelines apply. Offer valid through 6/30/2024.
** 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. Equal Housing Lender. Federally Insured by NCUA.