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If you own your home, your best loan might be right under your roof.

When you have equity in your home, you have more options for financing large purchases or consolidating debt. Consider putting your equity to work to help you reach your goals most cost effectively!

Home Equity Line of Credit

Establish a line of credit to borrow from your home equity whenever you need. Your monthly payment is based only on the amount you use.1

  • Variable rate
  • No closing costs2
  • Credit line up to $250,000
  • Minimum required initial draw of $10,000
  • Up to 90% of your home’s appraised value3
  • Up to 10 year repayment term
  • Possible tax benefits4

Fixed Home Equity Loan

Take advantage of your home equity to pay for a large, one-time expenses such as home improvements, a wedding, or debt consolidation.5 **

  • Fixed rate
  • No closing costs2
  • Borrow $10,000 to $250,000
  • Up to 90% of your home’s appraised value3
  • Flexible repayment terms up to 15 years
  • Possible tax benefits4

Use our calculators to determine how much you may be able to borrow!

Put Your Equity to Work!

EPFCU Home Equity lending products are available to members with property anywhere in the United States, including Hawaii and Alaska.
Apply Online

Home Equity Loan Rates

EFFECTIVE 10-1-2026

Loan Type Term Margin APR* Financing Information Est. Monthly Payment
Home Equity Line of Credit† Open-end -0.25 6.75% Variable Rate; Maximum Rate 18% APR* $15.00/per $1,000 Borrowed
Home Equity Loan†† Up to 10 Years None 5.75% Fixed $10,000 - $250,000 $575.50 for $50,000 over 120 months
Home Equity Loan†† Up to 15 Years None 6.25% Fixed $10,000 - $250,000 $402.06 for $50,000 over 180 months

*APR=Annual Percentage Rate. Actual rate may vary, is subject to change without notice and is based on applicant’s credit score. Not all applicants will qualify for the lowest rate. Loans are made only on personal residences within 150 mile radius of our main office. Property insurance required. Credit Union pays all closing costs. Repayment of closing cost required if loan is paid off within three years. Estimate of closing costs on an $80,000 Home Equity Loan are $1,500. The interest you pay may be tax deductible. Ask your tax adviser if you are eligible. Other restrictions may apply.
†Home Equity Line of Credit is a variable rate, open-end loan. Rate is indexed to the Wall Street Journal Prime Rate (currently 6.75% as of 12/11/2025) plus/minus any applicable margin. There is a minimum rate/floor APR of 4.00% and a maximum ceiling APR of 18.00%. Not all applicants will qualify for lowest rate. Minimum loan is $10,000 Lifetime
††Home Equity Loan is a fixed rate, closed-end loan with one-time disbursement.

1 Payments are based only on the amount being used with a minimum payment of 1.50% of the outstanding month-end balance. 2 An initial advance of $10,000 is required at closing. In addition, the line of credit must remain open for 36 months. Loans paid off and closed in less than three years from the loan origination date will require reimbursement of all closing costs paid by EP Federal Credit Union.  3 Loans subject to credit qualifications and approval. All applicants must meet membership eligibility requirements. Rates subject to change without notice. Home equity products are not available in Texas. Some restrictions may apply to loan to value financing amount. Property insurance is required. 4 Consult your tax advisor to determine whether the interest is tax deductible. 5 Fixed rate, closed-end loan with one-time disbursement. ^Members who close on a Home Equity loan (HELOC or Second Mortgage) with EPFCU from July 1 to December 31, 2025, will be automatically entered to win 90,000 EPFCU SMART REWARDS Point prizes. Three winners total will be randomly selected – one at the end of each month: August, October and December. Refinances of existing EPFCU HELOCs or Home Equity Loans are not eligible. Points will be credited to the cardholder’s EPFCU SMART REWARDS Mastercard® within 30 days of HELOC closing. Credit card applications are subject to credit approval, terms, and conditions. No purchase or home equity loan is necessary to enter or win. To enter without closing on a HELOC, send a postcard with your full name, address, phone number, and email to: EPFCU, 13th & C Streets, SW, Room 215A, Washington, DC 20228. Mail-in entries must be received by December 31, 2025. Limit one entry per person. Open to legal U.S. residents, 18 years or older, who are members in good standing of EPFCU. Employees, board members, and their immediate families are not eligible. Winners will be randomly selected within 7 days following the end of the applicable entry period and notified by phone or email. Odds of winning depend on the number of eligible entries received. Each winner is responsible for any applicable taxes. By participating, entrants agree to abide by these official rules. Void where prohibited. Not all applicants will be approved.

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