Take advantage of the equity you have in your home.

If you have an existing mortgage but would like to borrow against the equity in your home, you could benefit from a home equity loan or home equity line of credit.

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Below is current rate information regarding Partners Financial FCU’s home equity loans and lines of credit.

Rates for these programs as shown below represent the current lowest rates available to qualified applicants. Rates and terms will vary based on each applicant’s credit score, credit history, and overall creditworthiness.

Program Name Rate APR
HELOC Gold 4.000% 4.000%
HELOC Classic 4.500% 4.500%
Home Equity Loan 10YR 4.250%-5.250% 4.287%-5.297%
Home Equity Loan 15YR 4.750%-5.750% 4.779%-5.787%

APR = Annual percentage rate. APRs shown above are based on a loan amount of $100,000.
Rates are subject to change without notice. Rates last updated on 7/15/2021.

Home Equity Loan vs. HELOC

Depending on your financial needs, a home equity loan or a home equity line of credit (HELOC) could be a great option to give you the financial strength you need for your next endeavor.

A home equity loan is typically used for those who are looking for a fixed rate, where monthly payments stay the same for a set period of time. Home equity loans are a great way to attain the money you need in a lump sum, where a home equity line of credit is comparable to a credit card.

Apply For A Home Equity Loan

Tapping into your home’s equity with a HELOC means you have control over how much you spend. Pay interest on the amount you draw from, not the total equity available.

A home equity line of credit typically has a lower interest rate compared to a home equity loan and allows for more time to pay back the funds.

Home projects, improvements, debt consolidation and more are great uses for a HELOC.

Contact Partners Financial FCU For More Information

At Partners Financial, we are proud to provide quality banking solutions for our customers. We offer trusted customer service and outstanding loan products to help our members achieve their financial goals.

Questions about home equity loans or lines of credit? We’ll be happy to help. Give us a call at 804-649-2957 or contact us easily online.

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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).