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Current Rates: Home Loans

5-Year Fixed Home Equity loans starting at 2.99% APY*

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 1/1/2017. Rates are subject to change at any time.

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Fixed Home Equity Loan Rates

Credit Score APR*    
Term... 3- or 5-Years
Limited Time Offer:
Rates dropped!
10-Years 15-Years
750+ 4.24% 2.99%¹ 4.74% 5.69%
700 – 749 5.24% 3.99%¹ 5.74% 6.69%
660 – 699 6.24% 4.99%¹ 6.74% 7.69%
620 – 659 7.24% 5.99%¹ 7.74% 8.69%
Under 620 8.24% 6.99%¹ 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.

¹Advertised APR (Annual Percentage Rate) is accurate as of 1/1/2017 and applies to a fixed home equity loan of $5,000 or greater, with a 36- or 60-month term, and 80% loan-to-value maximum. Borrowers refinancing a Lanco FCU loan with less than 25% in additional new funds do not qualify for this offer. Payment example: A loan of $20,000 for 5 years at 2.99% will have a monthly payment of $359.30. Closing costs exist and may affect APR. One- to four-unit owner-occupied residential properties only. Property insurance required. Flood insurance may be required. First or second lien positions only. Offer may be changed or withdrawn at any time.