Home Equity Loan Rates


The following rates are effective on September 1, 2019 and subject to change without notice. For updated information, inquire at any FedChoice Financial Service Center (FSC) location or contact our Financial Advisory Center (FAC) at 301.699.6151800.969.6151.

Calculate Loan Payments

Home Equity Line-of-Credit

Home Equity Line-of-Credit
Loan Type Term APR*
Gold (90% CLTV)†o Revolving 5.25%
Classic (90% CLTV)§o Revolving 4.75%

CLTV = Combined Loan to Value.
Variable rate is based on The Wall Street Journal Prime. Rate adjusted monthly.
§Variable rate is based on The Wall Street Journal Prime minus .50%. Rate adjusted monthly.
oOn average, closing costs are approximately $1,000 but may vary depending upon the amount of the loan, terms, property value, etc. Consult your tax advisor regarding the deductibility of interest and charges.

Smart Choice Home Equity Loans

Smart Choice Home Equity Loans
Fixed Interest Rates
Loan Type Term APR as low as*
5 Year (80% LTV)†^ 60 months 5.00%
5 Year (90% CLTV)†± 60 months 6.00%
10 Year (80% LTV)‡^ 120 months 5.25%
10 Year (90% CLTV)ౠ120 months 6.25%
15 Year (80% LTV)‡^ 180 months 5.50%
15 Year (90% CLTV)ౠ180 months 6.50%

* Annual Percentage Rate.
Owner-occupied primary residence only. 1st or 2nd lien, no pre-payment penalty.
Borrow $5,000 to $250,000.
Borrow $10,000 to $250,000.
^ 1st lien Smart Choice Home Equity Fixed Rate loans are limited to a maximum loan to value of 80%.
± Not applicable to 1st liens for Smart Choice Home Equity Fixed Rate loans.


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Rates at a glance

Fed Choice