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1 Year CD $500 minimum 1.28% APY OR 2 Year CD $500 minimum 1.38% APY. Click on our Rates page for more details.

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Home Equity Loans

Make the equity of your home work for you with Wheatland FCU.

Unlock the winning combination…your home and a Home Equity Loan from Wheatland FCU. A Home Equity Loan is a smart way to borrow for any need. A Wheatland FCU Home Equity Loan has several great features. Get the funds you need at a low APR. Borrow up to 80% loan-to-value of your home up to $250,000 for primary residence and 70% loan-to-value of your home up to $50,000 for a non-primary residence. Choose budget friendly payments up to 180 months for a 1st lien on your property and 120 months for a 2nd lien on your property.

A non-refundable $200 application fee is required at the time of application, in addition to a $35/person credit report fee. If a full appraisal is required, an additional $350 will be due at the time of the request.

Types of Home Equity Loans

Fixed Rate Home Equity

 

Terms are available up to 180 months. Loans of this type are limited to the following counties: Lebanon, Berks, Chester, Dauphin, and Lancaster.

To apply for your Home Equity Loan, call our Centerville office to schedule an appointment.

Flexline Home Equity

Enjoy the convenience of setting up a home equity line of credit so the money is available when you need it for any reason!  Borrow what you need, when you need it and only pay interest on the current balance. The credit limit is available for the first 10 years, with a 1 time renewal option and the repayment schedule is based on 120 months with each advance.

 

Calculating the amount of equity you have on your home

Primary Residence : Value of your home x 80% – Mortgage balance (if we are not refinancing) = Maximum loan amount (up to $250,000)

Investment Property : Value of your home x 70% – Mortgage balance (if we are not refinancing) = Maximum loan amount (up to $50,000)

A non-refundable $200 application fee is required at the time of application, in addition to a $35/person credit report fee. If a full appraisal is required, an additional $350 will be due at the time of the request.

To apply for your Home Equity Loan, call our Centerville office to schedule an appointment.

Written Estimate of Terms or Costs: Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.

Related Home Equity Loan Services

*See Terms and Conditions