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Current Rates: Home Loans

Credit Score refers to TransUnion Credit Score.
WSJ Prime = Wall Street Journal Prime Rate (View current WSJ Prime Rate)
Rates displayed are accurate as of 2/1/2017. Rates are subject to change at any time.

Learn about Home Equity Loans | Apply Online

Fixed Home Equity Loan Rates

Credit Score APR*    
Term... 3- or 5-Years 10-Years 15-Years
750+ 4.24% 4.74% 5.69%
700 – 749 5.24% 5.74% 6.69%
660 – 699 6.24% 6.74% 7.69%
620 – 659 7.24% 7.74% 8.69%
Under 620 8.24% 8.74% 9.69%

Home Equity Line of Credit Rates

Credit Score APR*
750+WSJ Prime
700 – 749WSJ Prime + 1%
660 – 699WSJ Prime + 2%
620 – 659WSJ Prime + 3%
Under 620WSJ Prime + 4%

*Closing costs exist and may affect APR (Annual Percentage Rate). Rates advertised for financing up to 80% LTV (loan-to-value). Borrowers with credit score of 700 or higher may apply to finance up to 90% LTV. If LTV is higher than 80%, 2.00% will be added to the approved interest rate. Fixed home equity loan rates advertised are for 2nd lien home equity loans; 1st lien home equity rates may be lower. Call Lanco FCU for a rate quote.