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. 

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Home Equity Line of Credit (HELOC)*
Product APR About this product
HELOC 4.50% Up to 80% CLTV
HELOC 5.25% Above 80% CLTV
Fixed Rate Home Equity Loan Sale Rates**
Product APR Estimated Payment
20-year Fixed Rate Home Equity 5.75% $7.03 per $1,000 financed
15-year Fixed Rate Home Equity 5.25% $8.05 per $1,000 financed
10-year Fixed Rate Home Equity 5.00% $10.61 per $1,000 financed
6–9 year Fixed Rate Home Equity 4.75% $11.40 per $1,000 financed
5-year Fixed Easy Equity 4.00% $18.42 per $1,000 financed
5-year Balloon Home Equity 4.00%  

Signature FCU Home Equity Products also feature:

  • Closing costs paid up to $1,000 by Credit Union2
  • No origination fee
  • Up to 20 years repayment on Fixed Rate loans
  • No Prepayment penalty
  • Rental property financing available at low interest rates4
  • Payments may be made bi-weekly or monthly, and by payroll allotment or check
  • Interest rates posted online

1CLTV = Combined loan to value

2Signature will pay closing costs up to $1,000. Any closing costs over $1,000 (generally $0 - $500) are paid by the member and can be added to the loan request.  An employment verification fee of $19.80 will be assessed for each working applicant and a processing fee of $150 also applies, and is the responsibility of the member.

4Signature will finance 75% of the value of non–owner occupied rental properties.

*Investment 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.

**Above rates are based on combined loan to value up to 80% on primary residence. CLTVs that exceed 80% are subject to an increase of 0.75% to the above rates. 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.