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Home Equity Loan Rates

We offer fixed rate home equity loans and variable rate home equity lines of credit. Whether you're looking to remodel, consolidate bills, need extra cash for college tuition, a vehicle purchase, medical expenses or vacation, your home's available equity could save you a lot of money in the long run.

Home Equity Fixed-Rate Loan

TermAPR*Monthly Payment¹
36 months3.49%$29.31
60 months3.74%$18.31
120 months3.99%$10.13
180 months4.24%$7.53
240 months6.24%$7.31
Loan rates are effective: Friday, August 7, 2020
*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.

Loans are on 1-4 unit family, owner-occupied residences in Pennsylvania. Property insurance is required. Flood insurance may be required. To open and maintain a home equity loan or home equity line of credit, you will pay certain fees to third parties. These fees generally range from $175 to $385. 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.

Routing Number

The People First Routing & Transit (ABA) number is: 231379115

Mailing Address

2141 Downyflake Lane
Allentown, PA 18103

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Membership is available to those who live, work, worship or attend school in Lehigh or Northampton counties.

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At People First FCU we are improving the accessibility and usability of our website for our members and potential members. Our efforts are based on the standards for Web Content Accessibility Guidelines (WCAG) 2.1. It is our policy to ensure that persons with disabilities have full and equal opportunity to benefit from our services on our website and on other online services. If you have any questions or need help with any content on our website or online services, please contact us at staff@peoplefirstcu.org or by calling our Member Service Center at 610.797.7440.

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