Low Interest Home Equity Loans

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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.

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Fixed Home Equity Loan Rates

Credit Score APR¹
Term… 3-Years 5-Years 10-Years 15-Years
750+ 4.99% 5.24% 5.74% 6.49%
700 – 749 5.99% 6.24% 6.74% 7.49%
660 – 699 6.99% 7.24% 7.74% 8.49%
620 – 659 7.99% 8.24% 8.74% 9.49%
Under 620 8.99% 9.24% 9.74% 10.49%

Home Equity Line of Credit (HELOC) Rates

Credit Score APR²
750+ 7.75%
700 – 749 8.75%
660 – 699 9.75%

¹Annual Percentage Rate (APR) accurate as of 2/2/2023 and may change at any time. 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 2.00% added to the approved interest rate. Payment example: A fixed home equity loan of $25,000 for 10 years at 5.74% APR will require 120 monthly payments of $274.30. 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.

²APR is accurate as of 2/2/2023 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.