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Home Equity Loans and Lines of Credit

Use your home's value to finance almost anything

Lanco's home equity loans and lines of credit offer financing at a great rate, and for nearly any purpose.

Not sure which type of loan is right for your needs?
Give us a call at (717) 569-7180.

Fixed Rate Home Equity Loan

Lanco's fixed rate home equity loan offers a fixed rate for the term of your loan, which also means a fixed payment amount.

Fixed rate home equity loans may be approved for almost any purpose and are great for debt consolidation, educational expenses, and home improvement projects.

Apply online for a Fixed Rate Home Equity Loan

Home Equity Line of Credit

A Home Equity Line of Credit is a variable rate loan that offers open-ended borrowing for ongoing use. You can take advances from your line of credit quickly and conveniently by transferring funds with Online Banking or Gabby. Monthly payments are based on your loan balance and may be as low as $100.

Home Equity Lines of Credit can be approved for almost any purpose and are great for educational expenses, home improvement projects, or to meet other ongoing borrowing needs.

Apply Online for a Home Equity Line of Credit

Play it safe with Lanco FCU Debt Protection

Whether you're taking out a loan to make home improvements or buying a vehicle, it can be a financial gamble because things happen…life happens. Help play it safe with Lanco FCU Debt Protection, a voluntary loan-payment protection product. Lanco FCU Debt Protection helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

Learn more about Lanco FCU Debt Protection or call (717) 569-7180 for more information.

Insuring Your Home

Members of Lanco Federal Credit Union are eligible to receive discounted home insurance through our partnership with Trustage. Click here to learn more and get a quote.

Pre-approvals for all loans are available and will be held at the specific rate for 30 days. Loans may be paid by monthly payments or through payroll deductions.

*LTV is the loan to value ratio. The option to borrow up to 90% LTV may be available for borrowers with a credit score of 700 or higher.

To calculate your available equity, see the example below:

Value of Home ($150,000) x LTV (80%) = ($120,000)
($120,000) - Mortgage Balance ($100,000) = Available Equity ($20,000)