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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% +1.50% - +2.00%

Rates as of 10/2/2014.

*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.  

FORUM Credit Union in Indianapolis, Indiana is federally insured by the NCUAFORUM Credit Union in Indianapolis, Indiana is an Equal Housing Opportunity lender
Federally Insured by NCUA