Access the funds you need to make your dreams possible.

Funding a large expense like college or investing in your business can be within reach with one of our Home Equity Loans. Compare rates and payments below.

Financing up to 100% combined loan to value on all home equity loans available1

When you use a home equity line of credit, not only can you take advantage of the equity in your home, but you can also take advantage of how easy it is to access funds on an "as needed" basis.  Use some of the line now, and use some as expenses come up later. 

Home Equity Line of Credit (HELOC)2
Product APR as low as3 About this product
HELOC 8.00% Up to 80% CLTV
HELOC 8.75% 80.01% - 90% CLTV
HELOC 9.00% 90.01% - 100% CLTV
Fixed Rate Home Equity Loan Sale Rates 
Product Up to 80% LTV
APR as low as

Up to 90% LTV
APR as low as

Up to 100% LTV
APR as low as
Estimated Payment4
5-year Fixed Rate HE 6.50% 7.25% 7.50% $20.05 per $1,000 financed
6 - 9 year Fixed Rate HE 6.75% 7.50% 7.75% $12.90 per $1,000 financed
10-year Fixed Rate HE 7.00% 7.75% 8.00% $12.14 per $1,000 financed
15-year Fixed Rate HE 7.25% 8.00% 8.25% $9.71 per $1,000 financed
20-year Fixed Rate HE 7.50% 8.25% 8.50% $8.69 per $1,000 financed

Signature FCU Home Equity Products also feature:

  • LTV up to 80% maximum loan amount $350,000
  • LTV 80.01% > maximum loan amount $200,000
  • Closing costs paid up to $1,000 by Credit Union6
  • No origination fee
  • Up to 20 years repayment on Fixed Rate loans
  • No Prepayment penalty
  • Rental property financing available at low interest rates7
  • Payments may be made bi-weekly or monthly, and by payroll allotment or check
  • Interest rates posted online
  • We lend nationwide excluding Hawaii, Alaska, and Puerto Rico

1CLTV = Combined loan to value

2Investment Properties up to 75% combined loan to value and maximum terms of 15 years are subject to a 1.00% higher rate and a 1% origination fee. All rates are subject to change daily. Maximum allowable rate for variable rate loans is 18% APR.  Rates on Variable Rate loans is subject to change after consummation. There is a $500 initial advance required at time of funding. We are currently unable to offer HELOC loans in the state of Texas.

3APR = Annual Percentage Rate. Your actual APR will be determined at the time of application and will be based on your application, combined loan to value and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. Rates are set by the Board of Directors and may change without notice.

4Estimated payments are based on the highest rate (Up to 100% LTV) per $1000 financed. Payment could be lower depending on your rate and LTV. Investment Properties up to 75% combined loan to value and maximum terms of 15 years are subject to a 1.00% higher rate. Property hazard insurance is required on all real estate property.

5Estimated payment is $8.05 per $1,000 financed based on 5.25% After 5 years, the remaining balance would need to be paid in full or refinanced.

6Signature will pay closing costs up to $1,000 of the closing costs associated with the processing of your Home Equity Loan which include but are not limited to; credit report, flood determination, verification of employment, settlement charges, title, and appraisal fees. This aso includes government charges and recording fees. This offer excludes the processing fee and a 1% origination fee charged for investment properties. Closing costs vary based on location, type of property and the loan amount. Any closing costs over $1,000 (generally $0 - $500) are paid by the member and can be added to the loan request.  Paying your loan off within 3 years (36 months) from the loan origination date, will result in the reimbursement of all closing costs associated with this loan transaction paid by Signature Federal Credit Union. These costs will be added to the payoff of this loan. An employment verification fee of $55.50 will be assessed for each working applicant and a processing fee of $250 also applies, and is the responsibility of the member. 

7Signature will finance 75% of the value of non–owner occupied rental properties.