Loans
Home Equity Loans
Unlock the value in your home. Our home equity loans let you borrow against the equity you have built, with competitive fixed rates and flexible terms for major expenses.
Home Equity Rates — Rate as low as 5.25%
Rates are based on borrowers credit worthiness and term of loan. All loans subject to approval.
Years of mortgage payments built up a balance you can borrow against. Here’s how Affinity One helps you tap it without giving up your good rate or your peace of mind.
Borrow up to 80–100% of your home’s equity
Most home equity products lend up to 80% of your home’s value. With strong credit, we’ll go up to 100%. Whether you’re funding a renovation, consolidating high-rate debt, or covering a major life expense, that equity is sitting there — let’s put it to work.
Fixed rate, fixed payment
Lock in a competitive fixed rate for the life of your loan. Your monthly payment doesn’t move, so the budget stays predictable.
Bigger amounts than personal loans
Major renovations, education costs, debt consolidation — the kind of project a personal loan can’t quite cover. Home equity scales to match.
Possible tax benefits
Interest paid on a home equity loan may be tax deductible when funds are used for home improvements. Talk to your tax advisor about your situation.
Use it for what you actually need
New roof, kitchen remodel, college tuition, paying off high-rate cards — once approved, the funds are yours to direct. We don’t dictate where it goes.
Local decisions, real people
Your loan is reviewed in town, by people who know the area. No algorithmic underwriting that flags a great application for a number it didn’t like.
Member-owned advantage
Earnings stay with members, which is how we keep home equity rates lower than what you’d see at the typical bank for the same loan.
Tap Into Your Home’s Value
Whether it is a major renovation, education expense, or debt consolidation, your home equity can help you reach your goals.
Federally insured by NCUA. Equal Housing Lender.
Borrow up to 80% of your home’s equity
What you’ll need to apply
- Proof of membership eligibility
- Two forms of valid ID
- Your opening deposit
Applications are completed in person at either branch — most in a single visit.