Home Equity

Put the value of your home to work for you with a home equity loan or line of credit with PSECU.

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Home Equity Options

You have the freedom to choose your advance amount and fixed or variable rates up to your approved credit limit. Learn more about our options to get cash out of your home. You’ll enjoy competitive rates, no PSECU application fees, an easy application process, and potential tax benefits.1

Real Estate Equity Loan²

Home Equity Loan
  • Fixed amount of funds in one lump sum
  • Fixed rate for the entire term of the loan
  • Predictable monthly payments
  • 5, 10, 15, and 20 year repayment terms
APR⁵ As Low As:
  • 5 Year Equity Loan-to-Value up to 80%
    5.99%
  • 10 Year Equity Loan-to-Value up to 80%
    6.24%
  • 15 Year Equity Loan-to-Value up to 80%
    6.74%
  • 20 Year Equity Loan-to-Value up to 80%
    7.99%

HELOC Plus³

Home Equity Line of Credit
  • Borrow only the money you need, when you need it
  • Easy access to funds
  • Variable- and fixed-rate advance options
  • Variable rate based upon prime rate4
APR⁵ As Low As:
  • HELOC Plus Variable Loan-to-Value up to 80%
    8.50%
  • HELOC Plus Variable Loan-to-Value greater than 80% to 90.00%
    9.00%
  • HELOC Plus Fixed Loan-to-Value up to 80%
    9.00%
  • HELOC Plus Fixed Loan-to-Value greater than 80% to 90.00%
    9.50%
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Browse Common Questions

  • There are no PSECU application fees for equity loans or lines of credit, but third-party fees may be charged. For example, there may be third-party notary fees since PSECU requires the execution of the loan in front of a notary public. Late fees may apply.

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1PSECU representatives cannot give tax advice. Please consult a qualified tax advisor to determine if interest may be tax deductible.

2Real Estate Equity Loan: Rates "as low as" 5.990% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum loan amount is $5,000. Loan rates, terms, and information are subject to change at any time. Fixed-rate Real Estate Equity loans are available for primary residences, second homes and investment properties. Payment example: a 5.990% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $19.33 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.740% for 60 months for a monthly payment of $19.68 per $1,000 borrowed. A 6.240% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $11.23 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.990% for 120 months for a monthly payment of $11.61 per $1,000 borrowed. A 6.740% fixed APR applies for a 180-month term and LTV up to 80% for a monthly payment of $8.85 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 7.490% for 180 months for a monthly payment of $9.27 per $1,000 borrowed. A 7.990% fixed APR applies for a 240-month term and LTV up to 80% for a monthly payment of $8.37 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 8.740% for 240 months for a monthly payment of $8.84 per $1,000 borrowed. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, if applicable; therefore, actual payment may be greater and vary from those shown.

3HELOC Plus: HELOC Plus: Rates "as low as" 8.50% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. The APR for variable advance(s) or fixed advance(s) will be equal to the WSJ Prime Rate as published in the last issue of the Wall Street Journal on the last day before the current calendar month or the Prime Rate combined with a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equal to the WSJ Prime Rate. For an LTV greater than 80% up to 90%, the APR for variable advance(s) is WSJ Prime Rate combined with a margin. For LTV up to 90%, the APR for fixed advance(s) is equal to the WSJ Prime Rate combined with a margin. Fixed Advance(s) are determined at the time of the advance. There is a 10-year advance period with a 20-year repayment period (5-year advance period with a 10-year repayment period on rental properties) from the date of the last advance. The minimum line of credit advance for a fixed rate advance is $5,000 with a limit of three fixed rate advances outstanding at one time. There is no required minimum advance amount for a variable rate advance and no limit of advances. All advances are subject to available credit and can only be made up to your approved credit limit. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum APR is 18%.

4Variable interest rate equal to the prime rate of the Wall Street Journal, or prime plus a margin.

5APR denotes Annual Percentage Rate. Rate(s) and other information are subject to change at any time.