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Mortgages

Please call 800-666-8811 for our current rates.

Home Equity Line of Credit (1st and 2nd Lien)

Introductory APR Standard APR
5.99% APR for the first 12 billing cycles* As low as 7.25%

Home Equity Loans (2nd Lien)

Term Annual Percentage Rate (APR)*
5-20 years as low as 6.75%
Rate effective as of 10/01/2025. Your APR will be determined based on our internal credit criteria. Listed APRs are based on a loan to value of 70% or less, assume an excellent credit rating, and for Equity Loan include a .50% discount for repaying by an automated payment method approved by us. Property insurance required. If account is closed or paid off within 24 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by Member One, a Division of VACU. Minimum and maximum loan or credit limits apply. Please contact us for specific term options and rates. 5.99% APR valid for 12 months from account opening and after that APR may vary. Listed APR range is current based on Prime Rate as of 10/01/2025 and APR will never be more than 18%. Your qualifying APR is determined based on our internal credit criteria, loan to value (LTV), credit rating and other factors. LTV may not exceed 95%. Property insurance is required. If account is closed or paid off within 24 months of opening it, you will pay a reimbursement fee equal to the amount of closing costs originally paid by Member One, a Division of VACU. Minimum loan amount is $20,000. Contact us for other options, current rates and information. For a secondary residence borrow up to 70% of the appraised value of the home, less the balance of the first mortgage, from $20,000 to $50,000.