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Home Equity Options

Home Equity Line of Credit

Go for a line of credit for ever-changing needs.

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Home Equity Loan

Get a fixed-rate lump sum when you know your budget.

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Disclaimer


1Subject to our normal credit requirements. Rates subject to change without notice unless otherwise noted.

Annual Percentage Yield (APY)

Annual Percentage Rates (APRs) are effective as of May 1, 2020.

Offers may be withdrawn at any time.

Workers Credit Union membership required. Membership established by opening a $5 membership savings account.

2There is a 10-year draw period and a 10-year repayment period. An annual fee of $30 will be waived if the borrower has the monthly payment paid automatically from a Workers Checking Account. Maximum combined loan to value is 80% for owner-occupied primary residence and 75% for owner-occupied second homes. Homeowner’s insurance is required. $350 early termination fee will be charged if discharged within the first two years. Subject to normal underwriting requirements. Current Wall Street Journal Prime is 3.25%. Maximum interest rate is 18%. Minimum interest rate is 2.99%. Minimum line amount is $25,000.

3Interest Rate will be set on the first business day of each month at  1.50% above the Prime Rate published in the Wall Street Journal on the last business day of each month. The current Wall Street Journal Prime is 3.25%. Maximum rate is 18%. Minimum rate is 5.00%. There is a 10-year draw period and a 10-year repayment period. Maximum loan to value is 100%. An annual fee of $30 will be waived if the borrower has the monthly payment paid automatically from a Workers Checking Account. $350 early termination fee will be charged if discharged within the first two years. Offer applies to new loans only on owner-occupied single family and condominiums only. Homeowners insurance required.

4Annual Percentage Rate (APR) includes a .50% discount for automatic electronic loan payments from any Workers Checking Account. Rates subject to change without notice. Offers may be withdrawn at any time. Workers Credit Union membership required. Other restrictions may apply. Maximum combined loan to value is 80% for owner-occupied primary residence and 75% for owner-occupied second homes. Homeowner’s insurance is required. Subject to normal underwriting requirements. Minimum loan amount is $25,000.

A Safe Place for Your Money

As a member of Workers, take comfort in knowing that every dollar you deposit is safe, secure, and 100% insured. All deposits are fully insured by a combined insurance coverage of the NCUA, up to $250,000, and the MSIC covers the rest. Now that’s safe keeping.