Turn Your Home's Equity Into Cash!

Home equity loans are a useful financial solution for homeowners who need a loan. This is a credit line based on the equity you have in your home, providing easy access to funds. This can be used for debt consolidation, college tuition, a dream vacation, home renovations, or whatever else you may need. And if you don't use it, your line-of-credit will still be there for you to use at your disposal, accumulating no interest charges and no fees. Just peace of mind.

It's like money in the bank.

Choose from one of our Home Equity Line-of-Credit^* accounts:

RealtyLine Line-of-Credit – Make principal and interest payments.

NEW Interest Only RealtyLine Line-of-Credit – Take advantage of more flexible, lower monthly interest-only payments.

No matter which option you choose, you'll enjoy a rate as low as Prime minus .10% APR* when you maintain Statements Online. To take advantage of one of these offers, click on any of the links below.

Act now! You won't find a better rate anywhere.

Submit a request for more information

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^*A home equity line-of-credit is secured by the member's home, and is available only for 1 to 4 family residential properties, excluding co-op's. Interest Only loans on primary residences only.

Rate as of 10/31/08. The Annual Percentage Rate (APR) is indexed to the Prime Rate as published in the
Wall Street Journal. Prime is a variable rate, as it changes, so will your APR. Rates cannot increase or decrease more than 2% in any one year period. Maximum APR: 18.00%. Minimum line-of-credit amount: $10,000. $295 non-refundable application fee. Mortgage tax may apply in some states. Loans subject to credit approval. Prime minus .10% for life of loan, as long as member maintains e-statements service. Rate will default to Prime for life of loan when e-statements service is not maintained. Rate will never be lower than the floor rate of 3.95%.

RealtyLIne LIne-of-Credit Repayment example: For a loan in the amount of $10,000 using Prime as of 10/31/08, at 4.00% APR minus .10% APR, the minimum monthly principal and interest payments on a 20-year RealtyLine Line-of-Credit with an interest rate of 3.95% would be $60.33.

Interest Only RealtyLine Line-of-Credit Repayment example: For a loan in the amount of $10,000 using prime as of 10/31/08, at 4.00% APR minus 0.10%, the minimum monthly interest payments during the initial 15-year interest-only period would be $30.30 to $33.55. Following the 15-year interest-only period, the loan will be amortized over the remaining 20-year term. Payments at this time will include principal and interest. For a loan in the amount of $10,000 using prime as of 10/31/08 at 4.00% APR minus 0.10%, the minimum monthly principal & interest payments over the remaining 20-year term would be 239 payments at $60.26 and one final payment of $58.60.