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Home Equity Loans - Upgrade your place with a downsized rate

Use your home’s equity to pay for that special project.

Spring is just around the corner, and F&A has the perfect Fixed-Rate Home Equity Loan for that home improvement project you’ve been wanting to tackle. This loan has no application fees and offers amounts up to $500,000 with rates as low as 3.750%. It’s also the perfect money-saving option for consolidating debt, paying off first mortgages, or covering any large expense.

 Rates as low as

 3.750%APR 

       Loan amounts up to

 $500,000 

To apply for a Fixed-Rate Home Equity Loan, log into Online Banking, click All Services and select New Application and Status. You can also call us at 800-222-1226 ext. 5993.

Rates are effective as of March 22, 2019, 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. 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 $338.93 and a final payment of $338.50 at 3.750% APR based on $25,000. 365-day calculation method utilized.

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