FORUM Credit Union's website works best with JavaScript enabled

Home Equity Loan Rates

Fixed Home Equity Loan (70% or less LTV)

Term (Months) Estimated Monthly Payment (ex: $10,000 loan) Annual Percentage Rate (APR)* Margin
72 $154.20 As low as 3.49% Fixed Rate
96 $121.90 As low as 3.99% Fixed Rate
120 $104.86 As low as 4.74% Fixed Rate
180 $80.38 As low as 5.24% Fixed Rate

Fixed Home Equity Loan (70.01% to 80.00% LTV)

Term (Months) Estimated Monthly Payment (ex: $10,000 loan) Annual Percentage Rate (APR)* Margin
72 $158.76 As low as 4.49% Fixed Rate
96 $126.60 As low as 4.99% Fixed Rate
120 $109.76 As low as 5.74% Fixed Rate
180 $85.72 As low as 6.24% Fixed Rate

Fixed Home Equity Loan (80.01% to 95.00% LTV)

Term (Months) Estimated Monthly Payment (ex: $10,000 loan) Annual Percentage Rate (APR)* Margin
72 $163.42 As low as 5.49% Fixed Rate
96 $131.44 As low as 5.99% Fixed Rate
120 $114.84 As low as 6.74% Fixed Rate
180 $91.28 As low as 7.24% Fixed Rate

Step Rate Loans - 7/10 (70% or less LTV) (example: $10,000 loan)

Term (Months) APR-First 7 Years APR-Final 10 Years Payment-First 7 Years Payment-Last 10 Years
204 As low as 3.49% As low as 5.49% $65.10 $71.42

Step Rate Loans - 7/10 (70.01% to 80.00% LTV) (example: $10,000 loan)

Term (Months) APR-First 7 Years APR-Final 10 Years Payment-First 7 Years Payment-Last 10 Years
204 As low as 4.49% As low as 6.49% $70.22 $76.90

Step Rate Loans - 7/10 (80.01% to 95.00% LTV) (example: $10,000 loan)

Term (Months) APR-First 7 Years APR-Final 10 Years Payment-First 7 Years Payment-Last 10 Years
204 As low as 5.49% As low as 7.49% $75.56 $82.60

HELOC (80% or less LTV)

Term (Months) Annual Percentage Rate (APR)** Margin
180 As low as 4.00% +0.00% - +0.75%

HELOC (80.01% TO 95.00% LTV)

Term (Months) Annual Percentage Rate (APR)** Margin
180 As low as 4.75% +0.00% - +0.75%

Rates as of 8/1/2014.

*Rates quoted as fixed annual percentage rate (APR).
**Rates vary according to the market based on prime rate.  

Click here for a detailed Home Equity rate sheet and full disclosures.  

NCUAEqual Housing Opportunity
Federally Insured by NCUA