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Home Equity Loans & Lines of Credit
Put your home’s equity to work for you!
You built a steady foundation, now let it pave the way for what’s next! Explore solutions created to support your goals while protecting what matters most.
Competitive, Low Rates
Local Servicing
Flexible Terms
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Home Equity Loan
Tap into your home's equity without refinancing! A JHCU Home Equity Loan provides you with a lump sum of cash, featuring the peace of mind that comes with fixed rates and convenient fixed payments.
Features & Benefits
- Fixed, competitive rate
- No closing costs1
- Borrow up to 95% of your home’s value
Home Equity Line of Credit
Borrow exactly what you need—no more, no less! Whether you’re covering unexpected costs or ready to make life upgrades, turn your home’s equity into the funds to get things done.
Features & Benefits
- Competitive, low rates
- No closing costs2
- Only pay interest on the funds you're using
- Minimum initial draw of $10,000 required
Have questions?
Email our award-winning mortgage department at mortgages@JHFCU.org or call at 800.543.2870, ext 505.
compare products
HELOC vs. Home Equity Loan:
Know the difference
––
Interest Rate
Interest Paid
Payback Period
Payment Amount
Closing Costs
Home Equity Loan
Interest Rate
Fixed
Interest Paid
On full outstanding amount
Payback Period
Terms between 5-15 years
Payment Amount
Fixed for 5, 10, or 15 years
Closing Costs
None (excluding interim interest)–unless loan is closed within three years
HELOC
Interest Rate
Adjustable
Interest Paid
Only on what you use
Payback Period
Paid back & re-drawn as needed for 15 years
Payment Amount
Variable based on balance
Closing Costs
None with a $10,000 advance at closing–unless line is closed within three years
Our Rates
Home Equity Loans
Loan Type
Term
Points
Rate
APR* as low as
Home Equity Fixed
Term
5 yrs; 80% LTV
Points
0
Rate
6.875
%
APR* as low as
7.028
%
Term
5 yrs; 90% LTV
Points
0
Rate
7.375
%
APR* as low as
7.540
%
Term
5 yrs; 95% LTV
Points
0
Rate
7.875
%
APR* as low as
8.051
%
Term
10 yrs; 80% LTV
Points
0
Rate
7.375
%
APR* as low as
7.464
%
Term
10 yrs; 90% LTV
Points
0
Rate
7.875
%
APR* as low as
7.970
%
Term
10 yrs; 95% LTV
Points
0
Rate
8.375
%
APR* as low as
8.477
%
Term
15 yrs; 80% LTV
Points
0
Rate
7.875
%
APR* as low as
7.944
%
Term
15 yrs; 90% LTV
Points
0
Rate
8.375
%
APR* as low as
8.449
%
Term
15 yrs; 95% LTV
Points
0
Rate
8.875
%
APR* as low as
8.954
%
Jumbo Home Equity Fixed
Term
10 yrs; 80% LTV
Points
0
Rate
7.375
%
APR* as low as
7.460
%
Term
15 yrs; 80% LTV
Points
0
Rate
7.875
%
APR* as low as
7.941
%
*APR=Annual Percentage Rate. APR based on $200,000 loan amount. Calculate estimated payment.
**Rates are determined by an evaluation of the applicant’s credit, loan-to-value (LTV), and term. Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Rates are subject to change.
Loan Type
Intro APR*
(12 months)
(12 months)
Standard APR* as low as
Floor Rate
HELOC 80% LTV*
Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.00% (currently 6.75%)
Floor Rate
3.00% floor rate
HELOC 90% LTV*
Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.25% (currently 7.00%)
Floor Rate
3.25% floor rate
Jumbo HELOC (Over $200K) Max 80% LTV*
Intro APR* (12 months)
5.99
%
Standard APR*
Prime Rate + 0.00% (currently 6.75%)
Floor Rate
4.00% floor rate
*APR=Annual Percentage Rate. The introductory rate of 5.99% APR is fixed for the first 12 months, after which the rate will adjust annually on the anniversary date of the line of credit to the current Prime Rate published in the Wall Street Journal. Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Maximum rate is 18.00% APR. Rates . There are minimum loan amounts required. Contact us for minimum loan amounts, maximum loan amounts, and loan-to-value requirements.
Steps to Apply
Applying is fast and easy.
1
Apply Online
Complete your online application in just a few minutes.
2
Get Pre-Approved
We’ll review your credit and property value, then share your decision and next steps.
3
Finalize Your Loan
Submit requested documents & schedule your closing once the title search is completed.
FAQs
Frequently Asked Questions
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Contact Us
Ask about our
Home Equity Loans & Lines of Credit
Getting in touch with us is easy. Just fill out our short contact form and a representative will contact you as soon as possible.
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Disclosures
* APR=Annual Percentage Rate.
1. The closing costs will be added back to the loan payoff balance if the loan is paid in full within the first three years.
2. Closing costs will be paid by JHFCU provided you take a minimum $10,000 draw at closing. Closing costs will be charged back to the loan if it is closed within a three-year period. The introductory rate of 5.99% APR is fixed for the first 12 months, after which the rate will adjust annually on the anniversary date of the line of credit to the current Prime Rate published in the Wall Street Journal. Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Maximum rate is 18.00% APR. There are minimum loan amounts required. Contact us for minimum loan amounts, maximum loan amounts, and loan-to-value requirements. For new loans only. Down payment may be required. Property and flood insurance may be required. Offer may be changed or withdrawn at any time.
JHCU can finance your Home Equity Line or Loan in Maryland, Virginia, Washington, D.C., Delaware, and Pennsylvania. Additional conditions apply. Contact our Mortgage Department at mortgages@jhfcu.org for additional information.
