Home Equity Loan
Type Term APR
Fixed Equity 5 Years 3.99% Apply
Fixed Equity 7 Years 4.30% Apply
Fixed Equity 10 Years 4.49% Apply
Fixed Equity 15 Years 4.70% Apply

APR is Annual Percentage Rate.  Maximum loan to value for above listed rates is 80%.  Rate will also be determined by individual credit worthiness.  Rates subject to change at any time without notice.  Rates are the lowest rates available.  Call for specific details.

For home equity loans: At 3.99% APR, 60 monthly payments of $18.41 per $1,000 borrowed. 
For home equity loans: At 4.30% APR, 84 monthly payments of $13.81 per $1,000 borrowed. 
For home equity loans: At 4.49% APR, 120 monthly payments of $10.36 per $1,000 borrowed. 
For home equity loans: At 4.70% APR, 180 monthly payments of $7.75 per $1,000 borrowed.

Home Equity Line of Credit
Type Term APR
Home Equity Line of Credit 10 Years 1.79% Intro fixed rate for first 12 billing cycles* At the end of the loan term a balloon payment may be required if only the minimum payments are made. Apply

*Advertised Introductory Annual Percentage Rate (APR) of 1.79% is the lowest available and is fixed for the first 12 months. Promotional Rate effective as of 8/2/21. Offer based on individual credit worthiness. After initial 12 monthly billing cycles, rate automatically reverts to a variable rate of interest as low as Prime minus 0.50% as published in the Wall Street Journal 30 days before the date of any rate adjustment. As of 8/2/21 Prime Rate was 3.25%.Interest rate and line amount determined by individual creditworthiness and subject to loan-to-value ratio of 80%. Offer limited to 1-4 family owner-occupied primary residence properties only. Property insurance (and flood insurance if applicable) required. Offer and rate is subject to change at any time without notice. Other terms and restrictions may apply. APR will not exceed 18% with a minimum APR of 2.75%. Existing NCU home equity lines/loans are not eligible for refinance with this promotion.