Home Equity

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Thinking about leveraging the equity in your home? This can be a useful tool to pay for home renovations, education expenses, debt consolidation, and other expenses. At NCFCU, you can select the type of home equity loan that works best for you and your goals.

We offer Fixed Rate Loans and Variable Rate Lines of Credit options:

Fixed Rate Loan

As Low As
3.25%
APR

  • 85% Loan to Value
  • $150 application fee for requests under $20,000
  • Terms up to 15 years
  • Pennsylvania real estate only
Apply Now*

Variable Rate Line of Credit

As Low As
3.25%
Variable APR

A Home Equity Line of Credit provides you with the flexibility to draw from a lump sum you are qualified to take as you need the money. Payments are based on the amount of the lump sum you have used plus interested each month.

  • Rate subject to change quarterly
  • 85% Loan to Value
  • Maximum Rate 15%
  • Minimum Rate 3%
  • Rate indexed to the Prime Rate
  • Pennsylvania real estate only
Apply Now*

Learn more about features and benefits

  Loss of Life, Injury or Illness, and Unemployment Protection Available

Please see loan department for details.


You can apply for a fixed rate* or variable rate line of credit* online. Or feel free to stop by a branch to apply.

*You are about to leave the NCFCU website. We do not provide, and are not responsible for, the product, service, or overall website content available at the external website. Please be aware that external websites may have privacy and security policies that differ from those at NCFCU. Please consult their privacy disclosures for more information. NCFCU makes no warranty, expressed or implied, regarding any external site nor is liable for transactions you enter into with any third parties.