Home Equity Loans

Unlock your home’s equity by applying for a home equity loan with Partners Financial. Get a low rate, no origination fees, and great customer service.


Rates as Low as 

Interest Rates 


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Fund Life’s Big Moments

A home equity loan is a one time lump sum loan that is paid off over a set amount of time, has a fixed interest rate, and fixed monthly payments. These types of loans are usually associated with lower interest rates and are typically easier to qualify for. Below are some of the most common uses for a home equity loan. 

Home Improvement

Debt Consolidation


Starting a Business


Major Purchase



The best thing of all is when I go there, I feel like y’all know me and I’m not just another customer. As far as the banking in general, y’all look after my accounts. ANYTHING questionable and I’m getting a text asking if its fraud. Y’all are my money guardian angles!

-Kathy B.

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Home Equity FAQ


How much can I borrow? ⮟

 Borrow up to 95% of the equity in your home

*Maximum Loan or Line is $100,000.  Appraisals required for all transactions. Terms and loan amount are based on member’s overall financial profile, collateral loan/value ratio and credit history.

Is the interest tax deductible? ⮟

Consult your tax advisor.

Are there any discounts available? ⮟

 Consult with our mortgage loan officer for full details.

Are there closing costs? ⮟

 No Closing Costs

Credit Union pays with an initial draw of at least $25,000 (except full appraisal & costs that are not normal). Member repays to credit union if closes line or balance drops below $3,000 in the first 3 years.

How long does it take to obtain funds? ⮟

It may take between two to four weeks depending on the complexity of the loan and member response time.

*Variable rate Line of Credit APR starts at current Prime Rate plus 0.00% margin, with minimum credit score of 720, maximum loan/value ratio is 95%. Variable monthly rate to change on first day of month following Prime Rate change. 15-year term with 10-year draw period for equity lines.
**Maximum loan/value ratio for fixed-rate loan is 90%. Maximum Loan or Line is $100,000.
Appraisals required for all transactions. Terms and loan amount are based on member’s overall financial profile, collateral loan value ratio and credit history.
***Minimum disbursement to qualify is $25,000. Application, appraisal, and other fees may apply. 
Member repays closing if balance drops below $3,000 in first 36 months. Other restrictions may apply. Please consult with our mortgage loan officer for full details. NMLS #460266

You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

Please select OK to confirm and continue to the payment form.

Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).