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Home Equity Loan & Line of Credit

Our Home Equity Loan or Line of Credit can make your home improvement 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. Not making any home improvements? You can use the money for many other purposes, such as paying off bills, debt consolidation, or buying a car.

Home Equity Loan

With a People First Home Equity Loan, you can 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.

Terms up to 20 years1

Borrow up to 80% of your home's appraised value

Low fixed interest rates

Payments remain the same for the life of the loan

No application fee

No points

close up top view group of calculator , home model ,yellow pencil, banking account book and calendar on white color background with space for money management ,home loan and personal financial concept
Home loan / reverse mortgage or transforming assets into cash concept : House paper model , US dollar hessian bags on a wood balance scale, depicts a homeowner or a borrower turns properties into cash

Home Equity Line of Credit (HELOC)

With a People First Home Equity 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 fee

No points

Low variable rates based on Prime2

Home Equity Fixed-Rate Loan

TermAPR*Monthly Payment¹
36 months3.49%$29.22
60 months3.49%$18.14
120 months3.74%$9.98
180 months4.24%$7.50
240 months6.24%$7.27
Loan rates are effective: July 1, 2021
*APR = Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon evaluation of applicant credit. Actual rates may vary. 1 All payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor for the desired loan term by the number of thousand dollars borrowed. Calculate your payment with our Loan Calculator.

Home Equity Line of Credit Loan

TermAPR*Monthly Payment²
N/A3.99%Minimum monthly payment of $100
The current prime rate is 3.25%. *APR = Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon evaluation of applicant credit. Actual rates may vary. 1 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 a 0.0% Margin rounded up to the nearest 0.25%. The minimum APR is 3.99% and the maximum APR is 18%. 2 All payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor for the desired loan term by the number of thousand dollars borrowed. Calculate your payment with our Loan Calculator.

Get Started Now!

BRANCH

Apply in person at any of our branch locations with one of our product specialists.

CALL

Call 610-797-7440 or 1-800-446-5598 extension 612 during business hours.

Frequently Asked Questions

Loans are on 1-4 unit family, owner-occupied residences in Pennsylvania and New Jersey. Property insurance is required. Flood insurance may be required. An appraisal is required and the fee will range from $75.00 to $550.00. If you ask, we will give you an itemization of the fees you will have to pay to third parties. There are no application fees and no points for home equity fixed rate or line of credit loans.

1 View our Home Equity Rates and Account Agreement Disclosure.

2 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%.

Equal Housing Lender
Equal Opportunity Lender
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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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