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Home Equity Loan & Line of Credit

People First FCU's Home Equity Loan or Line of Credit make home improvements a breeze! By using the equity in your home, you’ll enjoy incredibly low rates and payments. It’s the smart, low-cost way to borrow.

And if you’re not making home improvements, you can use the money for many other purposes, such as paying off bills, debt consolidation, or buying a car.

Review the Home Equity lending options below to decide whether a Home Equity Loan or Home Equity Line of Credit (HELOC) is best for your needs.

Home Equity Loan

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.

It’s the perfect financial power tool for big projects or purchases, debt consolidation, or even financing a second home or paying education expenses.

  • No application fee
  • No points
  • Terms up to 20 years (view our Home Equity Rates and Account Agreement Disclosure)
  • Borrow up to 80% of your home's appraised value
  • Low fixed interest rates
  • Payments remain the same for the life of the loan.

Home Equity (FlexEquity) Line of Credit (HELOC)

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

  • Easy anytime access to your funds through PC Access
  • Line of credit up to 80% of your home's appraised value
  • No application fees
  • No points
  • Low variable rates based on Prime*

Get started now!


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 $500.00. 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 0.0% 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 points for home equity fixed rate or line of credit loans.

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Your 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.

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