Home Equity Loans & Line of Credit

Home Improvement Equity Loan

Don't list it.  Show it some love.  Turn your home into a keeper with a CommonWealth One Home Improvement Equity Loan.  It;s an affordable and easier way to get the home of your dreams.  You can borrow up to 133% LTV (loan-to-value)¥  of your home and use the cash to update your kitchen, add a bathroom, create a backyard oasis, or turn your basement into a plush hideaway.  With the option to borrow up to $250,000, you'll have the funds you need to do just about any home improvement project your heart desires.

  • Borrow up to 133% LTV¥
  • Loan Amount up to $250,000
  • Fixed Rate as low as 6.99% APR
  • Terms up to 15 years

Home Equity Line of Credit Introductory Rate as Low as 3.99% APR¹

Imagine cooking dinner in a new kitchen, renovating that bathroom, finishing the basement or much more! Renovate your home with a home equity loan or line of credit from CommonWealth One.

With our EquityLine, you could get an introductory rate as low as 3.99% APR for 6 months, borrow up to 90% of the loan-to-value. Other great offers are available, too, including our Zero Equity Loan, which allows you to borrow when you have little to no equity in your home. 



  • Introductory Rate as Low as 3.99% APR¹ for Six Months
  • Borrow up to 90% loan-to-value of your home
  • Variable line of credit terms up to $250,000
  • Interest only or interest plus principal payment options
  • Access using EquityLine checks or transfer funds to your checking account 
  • ProtectONE Debt Protection Package

Zero Equity Loan

  • Rates as low as 9.15% APR*
  • Borrow a fixed amount up to $25,000 with little or no equity in your home
  • No title insurance or appraisal required
  • Repayment terms up to 10 years
  • Variable rate loan, rate remains fixed for the first year and then can adjust every year
  • ProtectONE Debt Protection Package

  • ¥133% Loan-to-Value only applies to the Home Improvement Equity Loan.  Proceeds must be used for home improvements only and documentation of bid/materials list/invoice will be required before loan disbursement.
  • ¹EquityLine 3.99% APR introductory rate is valid for 6 months. After 6 months, you will be charged your current rate. This offer available for a limited time. EquityLine has an interest only payment option available.
  • *APR = Annual Percentage Rate. Rates are subject to change at any time. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate may vary. Loans are subject to a minimum monthly payment of $45.00.
  • LTV = Loan-to-Value. The 90% LTV does not apply to the Zero Equity Home Equity Loan.
  • Home equity loans are available on primary residences located in Virginia, Maryland, and Washington, DC.
  • Please check with your tax advisor regarding loan interest deductibility.
  • EquityLine has an interest only payment option available.
  • Closing costs include credit reports, appraisal fee, flood certification, title search, recording fees and mortgage transfer taxes. Members will be obligated to pay the closing costs associated with the closing of this loan request. If a drive by or a full appraisal is required to support the loan request, this expense will paid by the member. Total closing costs generally range from $100 to $1,000 based on the loan amount. Closing costs can be incorporated and paid with the loan proceeds. Members should retain a copy of the home equity disclosures. Member may receive a refund of any fees if the rate changes and the member decide not to complete the process.
  • Property insurance is required and flood insurance may be required.
  • Granting of a home equity loan may result in the credit union acquiring a security interest in the property.
  • Certain restrictions apply.

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