Home Equity Loan and Line of Credit
People First FCU's Home Equity Loan and Line of Credit can make your home improvements a breeze! Not making improvements? Then use the money for bill consolidation, buying a car, or even paying for school tuition. Decide which home equity loan best suits your needs. You can review your options below:
Home Equity Loan

Home Equity loans are for virtually anything you like - buying a new car, home improvements, bill consolidation, or even building a second home. With a People First FCU Home Equity loan you borrow a lump sum that can be paid back on a 5, 10, 15, or 20 year schedule.

  • No application fee and No points
  • Terms up to 20 years (view current rates and disclosures)
  • Borrow up to 80% of your home's appraised value
  • Fixed rate of interest
  • Potential tax deductions (consult your tax advisor)
Home Equity Line of Credit

With a People First FCU Home Equity Line of Credit (HELOC), you can borrow just what you need, when you need it, and only pay interest on what you borrow.

  • Check writing privileges
  • Borrow up to 80% of your home's appraised value
  • Variable rate line of credit*
  • Potential tax deductions (consult your tax advisor)
Get started now on your home improvement project!

Loans are on 1-4 unit family, owner-occupied residences in Pennsylvania. Property insurance is required. Flood insurance may be required. An appraisal is required and the fee will range from $175.00 to $385.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties.

*The line of credit rate is subject to change monthly. The rate is based on the prime rate as published in the Wall Street Journal on the last business day of the month plus 0.5% Margin rounded up to the nearest 0.25%. The minimum APR is 3.99% and the maximum APR is 18%.

There are no application fees and no point for home equity fixed rate or line of credit loans.

Equal Housing Lender Equal Opportunity Lender
National Credit Union AdministrationYour savings are federally insured to at least $250,000 by the National Credit Union Administration and backed by the full faith and credit of the U.S. Government.
Who's Who 2015 winner Best of the Valley winner Readers Choice 2015