Skip to the main content MENU Home Equity Put the value of your house to work for you with loans, including three great home equity products from PSECU. 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.* Real Estate Equity Loan Fixed amount of funds in one lump sum Fixed rate for the entire term of the loan Predictable monthly payments 5 and 10 year repayment terms Annual Percentage Rate 5 Year Equity Loan-to-Value up to 80% 3.115% 5 Year Equity Loan-to-Value greater than 80% to 90.00% 3.615% 10 Year Equity Loan-to-Value up to 80% 3.865% 10 Year Equity Loan-to-Value greater than 80% to 90.00% 4.365% Apply Now Learn more about the Real Estate Equity Loan HELOC (Home Equity Line of Credit) Borrow only the money that you need, when you need it Easy access to funds Variable rate based upon prime rate** Annual Percentage Rate Home Equity Line of Credit Loan-to-Value up to 80% 3.25% Home Equity Line of Credit Loan-to-Value greater than 80% to 90.00% 3.75% Apply Now Learn more about HELOC HELOC Plus Includes all of the great features of our Home Equity Line of Credit, plus: Flexible advance options – fixed and variable advances. $5,000 minimum advance on fixed rate advances. No minimum advance amount on variable rate advances. Limit of three fixed advances with outstanding balances at one time Annual Percentage Rate HELOC Plus Variable Loan-to-Value up to 80% 3.25% HELOC Plus Variable Loan-to-Value greater than 80% to 90.00% 3.75% HELOC Plus Fixed Loan-to-Value up to 80% 3.75% HELOC Plus Fixed Loan-to-Value greater than 80% to 90.00% 4.25% Apply Now Learn more about HELOC Plus Already started? Resume Application or Check Status FAQs Are there fees associated with PSECU equity loans? Can I refinance my PSECU equity loan? Disclosures *PSECU representatives cannot give tax advice. Please consult a qualified tax advisor to determine if interest may be tax deductible. **Variable interest rate equal to the prime rate of the Wall Street Journal, or prime plus a margin. REAL ESTATE EQUITY LOAN: 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 3.115% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $18.02 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 3.615% for 60 months for a monthly payment of $18.25 per $1,000 borrowed. A 3.865% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $10.07 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 4.365% for 120 months for a monthly payment of $10.30 per $1,000 borrowed. HOME EQUITY LINE OF CREDIT: The variable 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 current calendar month. For loan-to-value (LTV) up to 80%, the variable interest rate is equal to the prime rate. For a LTV greater than 80% up to 90%, the variable interest rate is prime rate plus .5%. There is a 10-year advance period with a 20-year repayment term (five-year advance period with a 10-year repayment on rental properties) from the date of the last advance. The minimum line of credit amount is $5,000. The monthly payment may vary. The maximum Annual Percentage Rate (APR) is 18%. The minimum APR is 3%. HELOC Plus: The APR for variable advance(s) or fixed advance(s) will be equal to the Prime Rate as published in the last issue of the Wall Street Journal on the last day of before the current calendar month or the Prime Rate plus a margin. For loan-to-value (LTV) up to 80%, the APR for variable advance(s) is equal to the Prime Rate. For an LTV greater than 80% up to 90%, the APR for variable advance(s) is Prime Rate plus a margin. For LTV up to 90%, the APR for fixed advance(s) is equal to the Prime Rate plus 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%. The minimum APR is 3%. 800.237.7328. Products & Services Banking Services Credit Cards Loans Investing Rates PSECU for Employers About Us Our Story Leadership Newsroom Careers Resources Routing Number: 231381116 Find an ATM Member Login Money Management Resources Important Information Privacy Legal Information Disclosures & Agreements Security © 2021 PSECU. 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