Home Equity Line of Credit
A line of credit gives you flexible borrowing power to use what you need when you need it. Access easily on your time through your checking account and only pay interest on the amount you use.
Advance Requirement
No Advance Required at Closing
Pre-Payment Penalty
None
Benefits
Same Rate for All Credit Scores
Fastest Turnaround in Town
Up to 100% Loan to Value (CLTV)
Borrow Up to $250,000
No Pre-Payment Penalty
No Application Fee
No Annual Fee
Unlocks Thanku Discount Elibigility
Interest Rate
Variable
Term
Up to 20 Years
Draw Period
10 Years (included in repayment term)
Loan Limit Amount
Up to $250,000
Maximum Loan to Value (CLTV)
100%
RATES
thanku loyalty discounts
|
Annual Percentage Rate (Fixed) |
Thanku Loyalty Discounts2 |
Auto, Truck, Motorcycle1
|
24 months
|
6.500%
|
|
25-36 months
|
7.000%
|
|
37-48 months
|
7.500%
|
|
49-60 months
|
7.750%
|
|
61-72 months
|
8.250%
|
|
73-84 months
|
8.500%
|
|
Promotional Discount Available!
Discounts can be used individually or combined together for up to 2.00% off published rates.
|
680+ Credit Score |
-1.00% |
|
Refinance from Another Lender |
-1.00% |
|
Active Home Equity |
-1.00% |
|
College or Trade School Student |
-0.50% |
|
Active Checking or Money Market |
-0.50% |
|
New Member Discount |
-0.50% |
|
10+ Years of Membership |
-0.50% |
|
5+ Years of Membership |
-0.25% |
|
Automatic Payment Transfer |
-0.25% |
|
Payment Protection |
-0.25% |
Get Started
Payment Calculator
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|
Boats & Recreational Vehicles3
|
Outdoor Activity Vehicles4
ATV, UTV, Snowmobile, Personal Watercraft
|
Personal Unsecured5
|
Home Improvement6
|
Up to 36 months |
8.25% |
|
37-48 months |
8.50% |
|
49-60 months |
8.75% |
|
61-72 months |
9.00% |
|
73-84 months |
10.25% |
|
VARIABLE RATE FIXED PAYMENT LOANS
Enjoy a low variable rate with the security of a fixed payment that will not change. It's our way of helping you get the lowest payment possible so you can afford more of what you need.
|
|
Annual Percentage Rate
(Variable Rate/Fixed Payment)7 |
Auto, Truck, Motorcycle
Up to 84 months8
|
Introductory APR* First 6 Months
0.99%
After Introductory Period
Prime + 1.00% |
Boat & Recreational Vehicle
Up to 120 months9
|
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 3.00% |
Outdoor Activity Vehicle
ATV, UTV, Snowmobile, Waverunner & more!
Up to 60 months
|
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 4.00% |
Personal Unsecured
Up to 60 months
|
Introductory APR* First 6 Months
4.50%
After Introductory Period
Prime + 6.00% |
|
|
Annual Percentage Rate |
Personal Line of Credit (Overdraft Protection)10
Term: Revolving
|
Prime + 6.00%11 |
Savings Secured Line of Credit12
Term: Revolving
|
Share Rate + 1.50%13 |
LOAN RATES
|
|
Annual Percentage Rate |
Teacher Assistance Loan14
Term: Up to 9 months
|
0.00% |
Certificate of Deposit Secured Loan15
Term: Certificate Term
|
Certificate Rate + 3.00% |
Share Secured Loan
Term: Up to 60 months
|
Share Rate + 1.50%13 |
Tuition Loan16
Term: Up to 120 months
|
Prime + 2.00%11 |
Undergraduate Student Loan Programs
|
Click for Details |
REAL-ESTATE LOANS
|
|
Annual Percentage Rate |
Mortgages
Conventional
Adjustable Rate (ARM)
Federal Housing Administration (FHA)
Veteran Affairs (VA)
United States Department of Agriculture (USDA)
Additional programs also available!
|
Click for Rates |
Home Equity Line of Credit
Term: Up to 20 years
Draw Period: 10 years (included in repayment)
Loan to Value (LTV): 80%
|
Introductory Period
First 12 Months
5.50%
After Introductory Period
Prime + 1.00%17
|
Term: Up to 20 years
Draw Period: 10 years (included in repayment)
Loan to Value (LTV): 100% |
Prime + 2.50%11 |
Home Equity Loan
Term: Up to 15 years
Loan to Value (LTV): 80%
|
6.99%18 |
Term: Up to 20 years
Loan to Value (LTV): 100% |
9.75%19 |
Home Improvement
Up to 20 years
Loan to Value (LTV): 133%
|
11.00%20 |