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|Home Equity Line of Credit Loan-to-Value up to 80%
|Home Equity Line of Credit Loan-to-Value greater than 80% to 90.00%
|5 Year Equity Loan-to-Value up to 80%
|5 Year Equity Loan-to-Value greater than 80% to 90.00%
|10 Year Equity Loan-to-Value up to 80%
|10 Year Equity Loan-to-Value greater than 80% to 90.00%
*APR denotes Annual Percentage Rate
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Put your house to work for you! Use the equity in your home to provide cash for home improvements, debt consolidation, college education and more. PSECU offers two equity products, both with attractive rates and terms. With both PSECU equity products, you'll enjoy competitive rates, no fees and an easy application process.
Types of Equity Loans:
Planning and Resources:
Rates and information are subject to change at any time. Home Equity Line Of Credit: The 3.25% APR variable rate applies for loan-to-value (LTV) up to 80%. For a LTV greater than 80% up to 90%, the variable rate is 3.75% APR. Five-year advance period with a twenty-year repayment term from the date of the last advance. Minimum credit line amount $5,000. Minimum advance $500. Interest rate is variable. Monthly payment may vary. Interest rate will be equal to the prime rate or prime rate plus .5% as published in the last issue of the Wall Street Journal on the last day before the most recent full calendar month. The maximum APR is 15%. The minimum APR is 3%. Real Estate Equity Loan: The 3.99% APR is a fixed rate for a 60-month term and LTV up to 80%. All real estate equity (REE) loan rates are fixed: 4.49% APR for 60 months, LTV greater than 80% up to 90%; 4.74% APR for 120 months, LTV up to 80%; and 5.24% APR for 120 months, LTV greater than 80% up to 90%.