Fixed Home Equity Loans

Let your home do the hard work for you.

Unlock the possibilities of your home's value! Use it to consolidate debt, enhance your home (install your dream pool), or pay college tuition. There are so many different ways to take advantage of this special low interest rate product.

100%

Borrow Up to Home's Value

20 Yrs**

Maximum Term

Fixed

Rate & Payment

Best For

A Fixed Home Equity Loan may be right for you if you're...

Members Who Want:

• Fixed payments and a fixed interest rate
• A lump sum of cash up front
• A predictable monthly payment for budgeting

Loan Terms:

• Borrow up to 100% of your home's value
• Term: up to 20 years**
• No Credit Union closing costs — member is responsible for the recording fee

Ready to Unlock Your Home's Value?

For more information and to apply, contact us at 413-730-4152

Apply Now Home Equity Lines of Credit Rates

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Equal Housing Lender

Federally insured by NCUA.

**Minimum loan amount is $10,000; maximum loan amount is $400,000. Loan amounts greater than $400,000 require a full appraisal at the member's expense. Actual term available depends on loan amount and underwriting; refer to the current rate sheet.

Qualifications: Loan secured by your home; loan-to-value determined by your home's value and any existing mortgage balance. All loans subject to credit approval and property appraisal.

If your loan is paid off within three years of the closing date, you will reimburse credit union for closing costs paid on your behalf. Property insurance is required and is not included in closing costs. Other rates and terms available. Offer may be discontinued or changed at any time. Not all applicants will qualify.

80% LTV - Homeowner’s insurance is required. No closing costs, member is responsible for recording fees. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater

100% LTV - Homeowner’s insurance is required. No closing costs, member is responsible for recording fees. Payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater

LTV= loan-to-value.