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Home Equity Loan Rates

Let RBFCU provide you the most up-to-date financial information, including Home Equity Loan rates. If you're thinking about applying for a HELOC or Home Equity Loan in the near future, review our rates and financing options. After all, having the most current financial information can help you find the Home Equity Loan or Home Equity Line of Credit that's best for you.

Visit your local RBFCU branch to talk to an expert, give us a call for general home equity information, or apply online for a Home Equity Loan or Line of Credit today!




The Annual Percentage Rate is current as of: 04-25-2014

Home Equity Loans
Requirements Years Rate(APR%*) Your Payment per $10,000
From: To: From: To:
20% Equity
Required
4 2.700

Important Loan Information

At a 2.700% interest rate, the APR for this loan type is 2.700%. The monthly payment schedule would be:

  • 48 payments of $880.08 at an interest rate of 2.700%

This payment schedule is based on a $40,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

5.200

Important Loan Information

At a 5.200% interest rate, the APR for this loan type is 5.200%. The monthly payment schedule would be:

  • 48 payments of $924.80 at an interest rate of 5.200%

This payment schedule is based on a $40,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

220.02 231.20
" 7 3.500

Important Loan Information

At a 3.500% interest rate, the APR for this loan type is 3.500%. The monthly payment schedule would be:

  • 84 payments of $537.59 at an interest rate of 3.500%

This payment schedule is based on a $40,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

6.000

Important Loan Information

At a 6.000% interest rate, the APR for this loan type is 6.000%. The monthly payment schedule would be:

  • 84 payments of $584.34 at an interest rate of 6.000%

This payment schedule is based on a $40,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

134.40 146.09
" 10 3.700

Important Loan Information

At a 3.700% interest rate, the APR for this loan type is 3.700%. The monthly payment schedule would be:

  • 120 payments of $399.30 at an interest rate of 3.700%

This payment schedule is based on a $40,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

6.200

Important Loan Information

At a 6.200% interest rate, the APR for this loan type is 6.200%. The monthly payment schedule would be:

  • 120 payments of $448.11 at an interest rate of 6.200%

This payment schedule is based on a $40,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

99.83 112.03
" 15 4.050

Important Loan Information

At a 4.050% interest rate, the APR for this loan type is 4.050%. The monthly payment schedule would be:

  • 180 payments of $593.76 at an interest rate of 4.050%

This payment schedule is based on a $80,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

6.550

Important Loan Information

At a 6.550% interest rate, the APR for this loan type is 6.550%. The monthly payment schedule would be:

  • 180 payments of $699.09 at an interest rate of 6.550%

This payment schedule is based on a $80,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

74.22 87.39
" 20 4.750

Important Loan Information

At a 4.750% interest rate, the APR for this loan type is 4.750%. The monthly payment schedule would be:

  • 240 payments of $516.98 at an interest rate of 4.750%

This payment schedule is based on a $80,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

7.250

Important Loan Information

At a 7.250% interest rate, the APR for this loan type is 7.250%. The monthly payment schedule would be:

  • 240 payments of $632.30 at an interest rate of 7.250%

This payment schedule is based on a $80,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

64.62 79.04
" 30** 5.000

Important Loan Information

At a 5.000% interest rate, the APR for this loan type is 5.000%. The monthly payment schedule would be:

  • 360 payments of $429.46 at an interest rate of 5.000%

This payment schedule is based on a $80,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

7.500

Important Loan Information

At a 7.500% interest rate, the APR for this loan type is 7.500%. The monthly payment schedule would be:

  • 360 payments of $559.37 at an interest rate of 7.500%

This payment schedule is based on a $80,000 home equity loan in which you have 20% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

53.68 69.92

* APR means Annual Percentage Rate. Your specific rate will be dependent upon your credit rating, term of the loan, and lien position.

** 30 year terms for Home Equity Loans are only offered as the 1st lien on the property.

Generally, closing costs will be paid by the credit union; however, in some instances certain costs will be paid by the member. Hazard insurance is required. Minimum loan amount is $5,000. Contact us at 210-945-3300 or toll free at 1-800-580-3300 for more information.

Rates and terms are subject to change without prior notice. All loans subject to credit approval. View features of our Home Equity loans and additional disclosures.

Home Equity Line of Credit (HELOC)
Type APR%*
HELOC 2.750

* APR means Annual Percentage Rate. The 2.750 variable APR is based on an index minus a margin. The index is the prime rate as published in the Wall Street Journal Money Rates table. As of October 24, 2012, the index value was 3.250 and the margin was minus 0.500. The APR on variable rate lines may increase or decrease quarterly as disclosed in your agreement with us, not to exceed an annual percentage rate of 15%. Rates and terms are subject to change without prior notice; other restrictions may apply.

Equal Housing Lender