Home Equity Loan Rates

The following rates are effective on December 1, 2023 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

CLTV = Combined Loan to Value.
^†Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. The Gold Home Equity Line-of-Credit is subject to a floor of 3.50% APR. With HELOC Gold, you have the option to pay Interest Only for the first 10 years.

^§Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly. The Classic Home Equity Line-of-Credit is subject to a floor of 3.50% APR.
^oOn average, closing costs may vary depending upon the amount of the loan, terms, property value, etc. Consult your tax advisor regarding the deductibility of interest and charges.

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.

The following rates are effective on December 1, 2023 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Member Care Center at 301.699.6151 • 800.969.6151.

* Annual Percentage Rate
** APR is based on evaluation of applicant's credit. Your actual APR may vary. Not all will qualify for the lowest rate. Not all will be approved.
Owner-occupied primary residence. 1^st or 2^nd lien, no pre-payment penalty.
^† Borrow $5,000 to $500,000.
^‡ Borrow $10,000 to $500,000.
^{^} 1^st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%.
^± Not applicable to 1^st liens for Smart Choice Home Equity Fixed Rate loans.