Home Equity Rates
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Rate Table: Home Equity Loans
Home Equity Lines of Credit
| Traditional HELOC Owner Occupied APR5 |
Traditional HELOC Non-Owner Occupied APR5 |
|---|---|
| 4.75% - 9.75% | 5.75% - 7.75% |
Home Equity Loans
| Term | Owner Occupied APR5 | Non-Owner Occupied APR5 |
|---|---|---|
| 5 Years | 5.50% - 7.50% | 6.50% - 7.50% |
| 10 Years | 6.00% - 8.00% | 7.00% - 8.00% |
| 15 Years | 6.50% - 8.50% | 7.50% - 8.50% |
| 20 Years | 7.00% - 9.00% |
Rates shown effective as of September 20, 2022
5APR = Annual Percentage Rate. Based on Prime Rate of 4.75% as of 6.16.22 plus a 0% - 5% margin and applicable LTV = rate, subject to creditworthiness. Floor rates range from 4% to 8%. Annual cap is 2%, and lifetime cap is 6%, above the fully indexed rate at the time of origination. Minimum loan amount is $25,000. Sample payment based on a $25,000 loan for 5 years at 5.50% APR would be $477.52. Processing fees can range from $487 to $1,337 for California and $312 to $1,192 for Nevada, paid by the borrower. Additional fees may apply.