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Fixed-Rate Home Equity Loans

Home improvements are affordable. Loan amounts up to $500,000 and no application fees!

Been dreaming of a new kitchen? A new roof? A new addition to your home? 

Whatever the project, a Fixed-Rate Home Equity Loan from F&A can help make it within reach. You’ll save with rates as low as 3.250% APR and no application fees. Loan amounts are up to $500,000, and the interest you pay could be tax deductible (consult with your tax advisor).

Our Fixed-Rate Home Equity Loan is also ideal for debt consolidation (including paying off a mortgage with another lender) or for practically any purpose. 

Check out our Home Equity Rates.

Call 800-222-1226 or email reservices@fafcu.org to receive an application.

Rates are effective as of April 1, 2018 and are subject to change without notice. Loan rates are based on the Combined Loan to Value Ratio (CLTV), loan term and credit score of the primary borrower. Owner-occupied CA, AZ and NV properties only. Additional CLTV restrictions apply to properties outside of CA, second homes and 2-4 unit properties. Rates 0.50% higher for second homes. Maximum CLTV is reduced by 5% for loans over $250,000. Upfront costs are waived or paid by the Credit Union. Unless moving to repayment, refinancing an F&A Equity/Fireline® loan for a lower rate requires a $50,000 additional advance or a $500 fee. All rates include a 0.50% reduction for automatic payment. Other terms and conditions apply. Representative Example: (7-year term) Make 83 monthly payments of $333.16 and a final payment of $332.53 at 3.250% APR based on $25,000. 365-day calculation method utilized.

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