Low Interest Home Equity Loans
Financing for nearly any purpose
A Lanco FCU home equity loan or line of credit offers a great rate on financing you can use for nearly any purpose. Learn more about home equity loans.
Unsure whether to apply for a loan or line of credit?
Applying for a home equity loan or line is a multi-step process, and it would be our pleasure to help you get started on the right path. By discussing your borrowing needs, we can help you determine whether a loan or line of credit is the better fit. Just give us a call at (717) 569-7180 or (888) 318-4222 and ask to speak with a lender.
Fixed Home Equity Loan Rates
| Term | APR¹ | Payment Example |
|---|---|---|
| 3 Years | 5.74% – 9.55% | A loan at 5.74% APR would require 36 monthly payments of $30.30 per $1,000 borrowed. |
| 5 Years | 5.99% – 9.86% | A loan at 5.99% APR would require 60 monthly payments of $19.33 per $1,000 borrowed. |
| 10 Years | 6.49% – 10.14% | A loan at 6.49% APR would require 120 monthly payments of $11.35 per $1,000 borrowed. |
| 15 Years | 7.24% – 10.41% | A loan at 7.24% APR would require 180 monthly payments of $9.12 per $1,000 borrowed. |
¹APR (Annual Percentage Rate) accurate as of 10/5/2026 and may change at any time. APR varies based on borrower credit score. Closing costs exist and may 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 up to 2.00% added to the approved APR. 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.
Home Equity Line of Credit (HELOC) Rates
| Credit Score | APR² |
|---|---|
| 740+ | 6.75% |
| 700 – 739 | 7.75% |
| 650 – 699 | 8.75% |
²APR is accurate as of 12/11/2025 and variable based on the Wall Street Journal prime rate, plus a margin of 0–2, depending on credit score. Rates advertised for financing up to 80% 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.