Enjoy the freedom of fixed interest rates and no application or appraisal fees.

Why choose a PSECU Real Estate Equity Loan?

A Real Estate Equity Loan lets you borrow a one-time, lump sum amount from your home’s equity. You can choose to fund a home improvement project, purchase additional property, pay college tuition, or consolidate other debt so you have one low rate and predictable monthly payments.

With a Real Estate Equity Loan from PSECU, you can:

  • Borrow up to 90% of the appraised value, less any liens on the property being mortgaged. Real Estate Equity Loans have a minimum loan amount of $5,000. Existing PSECU equities may be refinanced for additional funds of $5,000 or more.

  • Secure a fixed interest rate based on the property’s loan-to-value ratio.

Want to use your home’s equity for home improvements, debt consolidation, college education, and more? With a home equity loan from PSECU, you can. You'll enjoy fixed rates, no application fees, an easy application process, and potential tax benefits.1

Current Real Estate Equity Loan Rates

Valid as of XX/XX/XXXX
Description APR* As Low As Monthly Payment Example
5 Year Equity Loan-to-Value up to 80% 5.990% $19.33 / per
$1000.00
5 Year Equity Loan-to-Value greater than 80% to 90% 6.740% $19.68 / per
$1000.00
10 Year Equity Loan-to-Value up to 80% 6.240% $11.23 / per
$1000.00
10 Year Equity Loan-to-Value greater than 80% to 90% 6.990% $11.61 / per
$1000.00
15 Year Equity Loan-to-Value up to 80% 6.740% $8.85 / per
$1000.00
15 Year Equity Loan-to-Value greater than 80% to 90% 7.490% $9.27 / per
$1000.00
20 Year Equity Loan-to-Value up to 80% 7.990% $8.37 / per
$1000.00
20 Year Equity Loan-to-Value greater than 80% to 90% 8.740% $8.84 / per
$1000.00

*APR denotes Annual Percentage Rate.

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.

Browse Common Questions

  • There are no PSECU application fees for equity loans, 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. You may also incur fees if the Real Estate Equity Loan is being used to purchase land that will be used to build your primary residence. (PSECU requires property insurance.) For information on this type of equity, please call 800.237.7328, extension 3817. 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.