Access Your Home’s Equity at a Low Introductory Rate!
Put your home’s equity to work for you.
Introductory rate as low as 3.99% APR* for 12 months,
as low as 7.00% APR* thereafter
Low HELOC Rates In Lancaster, PA
You’ve built equity in your home. A Home Equity Line of Credit gives you flexible access to funds when you need them, as you need them, without starting over with a new mortgage or draining your savings. Whether you’re planning a renovation, consolidating debt, or just want a financial cushion in place, a HELOC puts your home’s value to work on your terms. And right now we have an introductory rate as low as 3.99% APR* for 12 months, and as low as 7.00% APR* thereafter.
What Is a HELOC?
A HELOC lets you borrow against your home’s equity — only when you need it, only what you need. No lump sum, no paying interest on money you’re not using. Just flexible access to funds, backed by the value you’ve already built in your home.
Your home’s equity, your goals. What can you use a HELOC for?
1. Home improvements
Need a kitchen remodel, or a new bathroom? Reinvesting in your home can increase its value while making daily life better. A HELOC lets you fund projects as you go, without draining your savings.
2. Education costs
College tuition, trade school, continuing education, those costs add up fast. A HELOC can help bridge the gap without pulling from retirement accounts or other long-term savings.
3. Debt consolidation
Are you carrying multiple high-interest credit card balances? Rolling them into a single, lower-rate HELOC payment can simplify your finances and save you money each month.
4. Emergency fund backup
Life is unpredictable. Having a line of credit in place means you’re prepared for the unexpected, like a medical bill, or a major repair, without scrambling for options. And if you never need it, you never pay interest on it.
Why Choose Lanco FCU for Your HELOC?
We’re not a bank. We’re a credit union, which means every member is also an owner, and your financial wellbeing is always the priority.
- Competitive introductory and ongoing rates
- Your application is reviewed by our experienced loan team right here in Lancaster County
- Apply online or stop by any branch at your convenience
We’ve been serving Lancaster County families and businesses for decades, and a HELOC is one of the most powerful tools we offer to help members make the most of what they’ve already built.
Simple to apply, flexible to use.
Apply online or in branch, and our team will review your credit, income, and home value.
If approved, you can draw from your line as you need it — and only pay interest on what you use.
*APR=Annual Percentage Rate. Home Equity Line of Credit (Line of Credit, HELOC) introductory rate as low as 3.99% APR is subject to change without notice. Introductory APR is available for all new, approved lines of credit for a 12-month period of time from the date of signing the line of credit agreement and truth in lending disclosure. Minimum $5,000 line amount to open. All loans are subject to credit approval, income verification, and satisfactory appraisal and collateral. The introductory APR will automatically terminate at the end of the 12-month introductory period. No notice to borrower is required. Upon expiration of the introductory rate, the advertised regular rate applies to credit worthy borrowers with property values equal to 80% loan to value (LTV) and below or maximum loan amount of $500,000. The advertised regular line of credit rate is based on Prime Rates published in the Wall Street Journal on the last business day of the previous month plus or minus a margin with a floor of 1.00%. Maximum rate of 18%. Your APR may vary. As of 9/17/26, the APR ranges from 3.99% – 5.99% and is based on a minimum credit score of 740. All balances will accrue interest at the variable APR in effect for your account based on LTV and credit worthiness. Your monthly payments may increase, possibly substantially, once your credit line transitions into the repayment period. The HELOC permits borrowing up to 90% of the available equity in a primary residence; limits and rates may vary based on creditworthiness and loan-to-value (excludes rental properties). Property insurance is required. Other restrictions or conditions may apply. Additional fees may apply and can vary. This offer may be withdrawn at any time. Pennsylvania residences only. For non-members, you’ll be required to join Lanco FCU to meet eligibility requirements. Ask an associate for details. Federally insured by NCUA.