Home Equity Loan Rates

Woman holding paint color swatchesCredit Score refers to TransUnion Credit Score.
APR = Annual Percentage Rate
WSJ Prime = Wall Street Journal Prime Rate (View current WSJ Prime Rate)
Rates displayed are accurate as of 8/31/2017. Rates are subject to change at any time.

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Fixed Home Equity Loan Rates

Credit Score APR*
Term… 3-Years 5-Years 10-Years 15-Years
750+ 3.49% 3.99% 4.74% 5.49%
700 – 749 4.49% 4.99% 5.74% 6.49%
660 – 699 5.49% 5.99% 6.74% 7.49%
620 – 659 6.49% 6.99% 7.74% 8.49%
Under 620 7.49% 7.99% 8.74% 9.49%

Home Equity Line of Credit Rates

Credit Score APR*
750+ 4.25%
700 – 749 5.25%
660 – 699 6.25%
620 – 659 7.25%
Under 620 8.25%

*Annual Percentage Rate (APR) accurate as of 8/1/2017 and may change at any time. Closing costs exist and my affect APR. Rates advertised for financing up to 80% loan to value (LTV). Financing up to 90% LTV may be available for borrowers with a credit score of 700 or higher, with 2.00% added to the approved interest rate. Fixed home equity loan rates advertised are for 2nd lien home equity loans; 1st lien home equity rates may be lower. Call Lanco FCU at (717) 569-7180 for a rate quote.

Variable rates based on the Wall Street Journal prime rate, plus a margin of 0–4, depending on credit score.