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Why choose a PSECU Real Estate Equity Loan?

A Real Estate Equity Loan lets you borrow a one-time, lump sum amount from your home’s equity. You can choose to fund a home improvement project, purchase additional property, pay college tuition, or consolidate other debt so you have one low rate and predictable monthly payments.

With a Real Estate Equity Loan from PSECU, you can:

  • Borrow up to 90% of the appraised value, less any liens on the property being mortgaged. Real Estate Equity Loans have a minimum loan amount of $5,000. Existing PSECU equities may be refinanced for additional funds of $5,000 or more.

  • Secure a fixed interest rate based on the property’s loan-to-value ratio.

Want to use your home’s equity for home improvements, debt consolidation, college education, and more? With a home equity loan from PSECU, you can. You'll enjoy fixed rates, no application fees, an easy application process, and potential tax benefits.1

Current Rates

Valid as of XX/XX/XXXX
Description APR* As Low As Monthly Payment Example
5 Year Equity Loan-to-Value up to 80% 5.94% $19.31 / per
$1,000.00
5 Year Equity Loan-to-Value greater than 80% to 90% 6.69% $19.66 / per
$1,000.00
10 Year Equity Loan-to-Value up to 80% 6.14% $11.18 / per
$1,000.00
10 Year Equity Loan-to-Value greater than 80% to 90% 6.89% $11.56 / per
$1,000.00
15 Year Equity Loan-to-Value up to 80% 6.64% $8.80 / per
$1,000.00
15 Year Equity Loan-to-Value greater than 80% to 90% 7.39% $9.22 / per
$1,000.00
20 Year Equity Loan-to-Value up to 80% 7.74% $8.21 / per
$1,000.00
20 Year Equity Loan-to-Value greater than 80% to 90% 8.49% $8.68 / per
$1,000.00

*APR denotes Annual Percentage Rate.

Rates "as low as" 5.940% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum loan amount is $5,000. Loan rates, terms, and information are subject to change at any time. Fixed-rate Real Estate Equity loans are available for primary residences, second homes and investment properties. Payment example: a 5.940% fixed APR applies for a 60-month term and LTV up to 80% for a monthly payment of $19.31 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.690% for 60 months for a monthly payment of $19.66 per $1,000 borrowed. A 6.140% fixed APR applies for a 120-month term and LTV up to 80% for a monthly payment of $11.18 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 6.890% for 120 months for a monthly payment of $11.56 per $1,000 borrowed. A 6.640% fixed APR applies for a 180-month term and LTV up to 80% for a monthly payment of $8.80 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 7.390% for 180 months for a monthly payment of $9.22 per $1,000 borrowed. A 7.740% fixed APR applies for a 240-month term and LTV up to 80% for a monthly payment of $8.21 per $1,000 borrowed. For a LTV greater than 80% up to 90% the fixed APR is 8.490% for 240 months for a monthly payment of $8.68 per $1,000 borrowed. Payment amounts shown are representative of principal and interest only and do not include taxes and insurance, if applicable; therefore, actual payment may be greater and vary from those shown.

Browse Common Questions

  • There are no PSECU application fees for equity loans or lines of credit, but third-party fees may be charged. For example, there may be third-party notary fees since PSECU requires the execution of the loan in front of a notary public. Late fees may apply.

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Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

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1PSECU representatives cannot give tax advice. Please consult a qualified tax advisor to determine if interest may be tax deductible.