Home Equity Lines of Credit (HELOC)

Unlock the equity in your home to fund home improvements, college tuition, a wedding and travel, or debt consolidation. As you borrow against your Home Equity Credit Line, and then repay it, the funds become immediately available for you to use again. Best of all, the interest may be tax deductible. Consult your tax advisor and talk with our Experienced Loan Representative to see if a HELOC is right for you.

Home Equity Line of Credit Loan Programs and Features

Maximum CLTV   Loan Amount   Draw Period  Rate    80%  $250,000 10 years Prime+ 1.250%

Owner Occupied Only.

Your loan may or may not require a Margin with the Prime Rate

• 10 year draw with 20 year repayment for owner occupied
• Fee Free up to 80% combined Loan to Value (CLTV)
  
   

***MEMBERS WITH A PTFCU REAL ESTATE LOAN AUTOMATICALLY QUALIFY FOR THE 60 BASIS POINT DISCOUNT ON SECURED LOANS OR 100 BASIS POINT DISCOUNT ON UNSECURED LOANS. 

All loans subject to credit approval. Actual rate on the Home Equity Loans may vary based on your credit qualifications. Rates are subject to change at any time. Contact our Member Service Center at (866) 773-9835, Monday-Friday 7 a.m.- 5 p.m. for more information.

Actual rates vary. Rates & programs are subject to change without notice.