Home Equity Loans


Pheple FCU can help you own your dream home or take advantage of your home’s value. You can also consolidate debt, remodel your home, landscape your yard or take a dream vacation with one of our home equity loans.


Fixed Rate Home Equity Loans

Enjoy a fixed rate for the life of your loan with payment amounts that never change. You receive the entire loan amount at closing.

  • Fixed term and fixed rate up to 20 years

  • Loan amounts from $10,000 up to $250,000

  • Loan based on the equity accrued in your home

  • Interest may be tax deductible (Consult Your Tax Advisor)

  • Borrow up to 80% of your property value


Home Equity Line of Credit

Our Home Equity Line of Credit is there when you need it — simply access your funds by writing a check. No interest is charged until the credit line is used.

  • Line of credit from $10,000 up to $250,000

  • Interest may be tax deductible (Consult Your Tax Advisor)

  • Borrow up to 80% of your property value


Mortgages

Your dream of home ownership can be a reality with a home loan from Pheple FCU. Whether you’re looking to purchase your first home or want to refinance your existing mortgage, we have an extensive selection of services and products designed to meet your budget needs. Pheple FCU offers competitive loan rates through our partner, First Heritage.

  • Fixed and adjustable rate mortgages

  • Refinance mortgages

  • FHA, USDA and VA mortgages

  • Jumbo loans

  • PHFA loans

  • Construction to permanent mortgages

  • FHA 203K

With our partner, we can help you through the entire loan process, getting you the right loan for your budget with our hassle-free loan process and the personal service you deserve.


Home Equity Term First Lien Rate Second Lien Rate
0 - 60 Months 3.49%* 4.49%*
61 - 120 Months 3.99%* 4.99%*
121 - 180 Months 4.49%* 5.49%*
180 - 240 Months 4.49%* 5.99%*
Line of Credit Term First Lien Rate Second Lien Rate
Variable 4.75%* 4.75%*