Real Estate Equity Loan

Get The Loan

Check your application status


Home Equity Line of Credit Loan-to-Value up to 80% Calculate3.25%
Home Equity Line of Credit Loan-to-Value greater than 80% to 90.00% Calculate3.75%
5 Year Equity Loan-to-Value up to 80% Calculate3.99%
5 Year Equity Loan-to-Value greater than 80% to 90.00% Calculate4.49%
10 Year Equity Loan-to-Value up to 80% Calculate4.74%
10 Year Equity Loan-to-Value greater than 80% to 90.00% Calculate5.24%

*APR denotes Annual Percentage Rate

More Rates

Need Help?

Speak to one of our Member Service Representatives.

Contact Us

A Real Estate Equity Loan is a closed-end loan with a fixed-rate over the life of the loan. You'll receive a lump sum with a predictable payment. We offer five- and ten-year terms. Please consult a qualified tax advisor to determine if the interest may be tax deductible.

Features Include:

  • Borrow up to 90% of the appraised value, less any liens on the property being mortgaged.
  • PSECU must be 1st or 2nd lienholder.
  • Minimum loan amount $5,000. Existing PSECU equities may be refinanced for additional funds of $5,000 or more.
  • Fixed interest rate based on Loan-to-Value.
  • Equities on land are offered subject to restrictions. Please contact us for details and a paper application.
  • Purchase transactions are limited to unimproved land

Types of Properties:

Acceptable Properties
  • Currently owned 1, 2, 3 or 4-unit properties located in Pennsylvania
  • Condominiums or townhouses
  • Vacation homes
  • Doublewide mobile homes built after June 1976, on permanent foundation, title retired
  • Residential investment properties
Unacceptable Properties
  • Commercial properties
  • Properties located outside of Pennsylvania
  • Properties with cesspools, cisterns, spring water
  • Properties with gravity heat
  • Properties located in an industrial zoned area
  • Time-share properties
  • Singlewide mobile homes
  • Properties owned by a trust as identified on the deed
  • Properties listed for sale within the last 6 months
  • Properties with gas, oil or coal mining
  • Properties with certain business operations

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 18% or the maximum Annual Percentage Rate allowed by applicable law, whichever is less. 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%. zoom in