Home Equity Loans
Make the most out of the value in your home.
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Compare Products
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Best if you want
Best if you want
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Options and perks
Options and perks
Flex-Pay Home Value Line of Credit
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Best if you want
A line of credit with a flexible monthly payment.
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Options and perks
You decide how much you’d like to pay—from a minimum payment that covers interest only to the entire balance.
Low-Cap Home Value Line of Credit
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Best if you want
A revolving line of credit based on your home’s value.
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Options and perks
With rates lower than a credit card, you can use this line of credit to make home improvements or pay down debt.
Fixed Rate Home Equity Loan
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Best if you want
A loan with a fixed rate, monthly payment, and terms.
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Options and perks
With competitive fixed rates and terms, this is a great financial resource for special projects and unexpected expenses.*****
Helpful Details
Our Home Value lines of credit offer:
No annual fee
And no costs or fees to open your Home Value Line.*
10-year draw period
Use and re-use your available credit as needed.**
Convenient access to your funds
Access anytime via online banking, or call us.
Tax benefits
Speak to your tax advisor to see what benefits may apply.
Third Party Fees
You must pay certain fees to third parties such as appraisers, credit reporting firms, and government agencies. In addition, you must carry insurance on the property that secures this Account. The amount of these fees depends on the amount of the line of credit, and generally total between $189 and $1,472.50.
Call to speak to a Member Service Representative
Our experienced team can help you choose the best option for your needs.
Call us at 1.800.426.1601 or email us
FAQs and Tips
Home Equity FAQs
Calculators to help you save successfully
Quick Tip
Home Equity Loans can help you consolidate credit card debt
If you’re using your Home Equity Loan to pay off credit cards, in addition to lower interest rates, you’ll have the benefit of consolidating all your debts into one payment.
Ready to apply for a Home Equity Loan?
Disclosures
We do business in accordance with the Federal Fair Lending Act.
*These fees are conditionally waived. If the account is closed before the fifth anniversary of the opening date, the waiver will be revoked and the fees will be added to the outstanding balance that must be paid in order to release the collateral.
On approval of credit. Maximum loan amount and/or cumulative loan to value are subject to underwriting guidelines and credit information. Property insurance required. Based on an acceptable tax assessment and/or appraisal at the discretion of PCFCU.
**Subject to ownership as your primary residence and loan is maintained on an as agreed basis.
***On approval of credit. Maximum loan amount and/or cumulative loan to value are subject to underwriting guidelines and credit information. Property insurance required. Based on an acceptable tax assessment and/or appraisal at the discretion of PCFCU.
****The maximum LTV for PCFCU’s Flex-Pay Home Value Line of Credit is 80% with a maximum loan amount of $300,000. PCFCU’s Fixed Home Equity options include the products designed to meet your needs.