Unlock your home's value.

Make an application for a home equity or credit line

Please select among the following choices:

Questions?

Talk with a regional Member Service Representative

Call us: 888-777-9982

Email us: membersvc@patriotfcu.org!.?.! Leverage your home's value with our home equity choices Your home is more than simply a place to live. It's a valuable property that can help you achieve your financial goals. Our Home Equity Loans and Lines of Credit are created to supply you with flexible and affordable financing options, whether you're seeking to refurbish your home, consolidate debt, or fund major expenses. Fixed Home Equity Loan If you're looking for a smart way to fund home enhancements, college, big purchases, or to consolidate greater rates of interest debt, a fixed rate home equity loan may be the finest option for you. Great advantages, including ...- Loans approximately 90 %of the equity in your house -One

lump-sum payout- Fixed interest rate

for the life of the loan- Equal regular monthly payments over time- No prepayment charge Flex Equity Line of Credit Our
Flex Equity Credit line provides you the finest of both worlds. You can

utilize it two methods for more versatility ... 1. A variable rate credit line 2. You can make the most of the option

to lock in a part of your balance at a competitive set rate, term, and payment Our Flex Equity Line provides you the versatility to use the equity in your house to have money on hand when you need it. Plus, as you pay, the money appears once again in your line of credit. Other advantages include ... -12-month introductory rate -Payments based upon the quantity you borrow- Line of credit up to 90%of the equity in your home -Competitively

low-interest rates- Easy payment

options- Easy access to funds How
it works ... -When you're approved for a Flex Equity Line you have the alternative to draw on your line of credit or lock in portions much like a fixed-rate, fixed-term loan -You can utilize cash

from your Flex Equity Line for as much as ten years -As you pay back the money you've used, the money ends up being available again on your credit line- You can lock in the rate for as much as 4 parts of
your credit line and pay them off with fixed month-to-month payments- The minimum line is $7,500.- The minimum quantity to lock the rate is$ 5,000.- Each portion can be locked in for up to 15 years Rates 1LTV= Loan to Value. 2Annual Percentage Rate( APR) shown is a fixed rate for an applicant with credit scores 735 or higher. Other rates available for up to 90% funding.
Example:$ 20,000.00 loan, regular monthly payment will be $388.89 for

60 months at

6.24%.
The minimum loan quantity is$ 7,500.$ 99 origination cost will apply. Maryland homeowners are accountable for Maryland federal government recordation tax, amounts differ per county and amount obtained. Homeowners insurance coverage required. Rates may change without notice. All loans based on credit approval. Rates effective as of November 27, 2024. Discover more 5.99% 60 months 6.24% 6.49% 120 months 6.74% 6.99% Term 180 months 7.74 %1LTV =Loan To Value. 2Annual Percentage Rate (APR) shown is for a candidate with a credit rating 735 or greater. Other rates are readily available for approximately 90% financing. Rate based upon the Wall Street Journal Prime Rate which was

7.50%

as of 12/19/2024. This is a

variable rate loan product and

your payment and rate

are subject to alter. Maximum

17% APR.
No floor rate on this product. Monthly payments might range from 0.5. % to 1.50 %of the balance owed. Late payment charges of 5% of the monthly payment or$ 35.00 whichever is higher might use.$ 7,500 minimum credit line.$ 99 origination charge will use. Maryland homeowners are accountable for Maryland government recordation tax, quantities differ per county and amount borrowed. Homeowners insurance needed. Rates may alter without notification. All loans based on credit approval. Rates effective as of December 31, 2024. Find out more approximately 70 %7.24% 71-80 %7.49% LTV1 81-90% APR2 (as low as )8.24% Putting Money in Your Pocket for Less! Use Your Home's Equity For a minimal time, get a home equity loan at Patriot and pay no closing costs! Contact our mortgage group for more information by calling 717-709-2580 or use online. You Might Also Have An Interest In ... Financial Calculators Mortgage Refinance You need to use online, over the phone, or at one

of our branches

. You

can borrow up

to 90%

of the equity in your house.

A draw duration is when you

can take an

advance from your credit line. From the

day it is booked, your line is

readily available for 10 years to take advances from the line. After the 10-year draw duration will convert to a repayment-only status, it will be in repayment only, and say goodbye to advances can

be taken. The payment will be recalculated

to settle the balance over 15 years. On average, these loans take about 19 days from application to closing. However, with us, you could close in as

little as 7 days! Our structured procedure permits quick approvals, pending essential actions like appraisals and lien searches. We're here to make the journey to closing quick and problem-free! See all FAQs Make an application for a Home Equity Loan or Credit Line Disclosures- * Introductory 4.99% Annual Percentage Rate( APR) is effective for the initial twelve months of the line of credit part. After the initial duration, the rate converts to the basic variable rate.

APR shown is for an applicant with a credit rating 735 or greater. Other rates are available for up to 100 %financing. Rate based upon the Wall Street Journal Prime Rate which was 7.50% as of 12/19/2024. This is a variable rate loan product and your payment and rate undergo change. Maximum 17 %APR. No flooring rate on this item. Monthly payments might

vary from 0.5.% to 1.50% of the balance

owed. Late payment

fees of 5% of the month-to-month payment or$ 35.00 whichever is higher may use.$ 7,500 minimum credit line. $99 origination fee will apply. Maryland house owners are responsible for Maryland federal government recordation tax, quantities differ per county and amount obtained. Homeowners insurance required. Rates may alter without notice. All loans subject to credit approval.