Home Equity Loan Rates

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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 APR*
Term… 3-Years 5-Years 10-Years 15-Years
750+ 3.74% 3.99% 4.49% 5.24%
700 – 749 4.74% 4.99% 5.49% 6.24%
660 – 699 5.74% 5.99% 6.49% 7.24%
620 – 659 6.74% 6.99% 7.49% 8.24%
Under 620 7.74% 7.99% 8.49% 9.24%

Home Equity Line of Credit Rates

Credit Score APR*
750+ 3.25%
700 – 749 4.25%
660 – 699 5.25%

*Annual Percentage Rate (APR) accurate as of 5/1/2020 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. 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 0–2, depending on credit score.