Home Equity Rates

View all loan rates.

Rates Effective: November 1, 2019
Rate APR*
EquityLine (Home Equity Line of Credit) up to 90% LTV1
6 Month Introductory Period2 (Limited Time Offer) 3.99% Variable
Principle and Interest 3.99% Variable
Interest Only 4.99% Variable
EquityLine (Home Equity Line of Credit) up to 100% LTV
Principle and Interest 4.99% Variable
Interest Only 6.99% Variable
Equity Line Purchase Money up to 100% LTV
Principle and Interest 4.99% Variable
Interest Only 6.99% Variable
Equity Plus up to 90% LTV
5 Years 4.49% Fixed
10 years 5.24% Fixed
15 Years 5.99% Fixed
Equity ONEHundred up to 100% LTV
5 Years 5.49% Fixed
10 Years 6.74% Fixed
15 Years 7.24% Fixed
20 Years 7.74% Fixed
Home Equity Loan Purchase Money (Second) up to 100% LTV
15 Years 7.24% Fixed
20 Years 7.74% Fixed
Home Equity Improvement Loan up to 133% LTV
5 Years 6.99% Fixed
10 Years 7.74% Fixed
15 Years 8.24% Fixed


  • CommonWealth One Federal Credit Union complies with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). A list of our registered originators can be found by searching for CommonWealth One FCU at https://www.nmlsconsumeraccess.org/.
  • Minimum loan or line of credit amount is $15,000 and maximum loan or line of credit amount is $250,000.
  • 1LTV = Loan To Value
  • *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.
  • 2This is a limited time offer.  EquityLine 3.99% APR Introductory Rate is valid for the first 6 months.  After introductory period, the standard variable rate will apply, currently 3.99% for Principal and Interest Payments and 4.99% APR for Interest Only Payment Option.  
  • Loans are subject to a minimum monthly payment of $45.00.
  • Home equity loans are available on primary residences located in Virginia, Maryland, North Carolina, Kentucky, Tennessee, West Virginia, and Washington, DC.
  • Please check with your tax advisor regarding loan interest deductibility.
  • 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 be 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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