Official Credit Union of UMass Athletics

Official Credit Union of UMass Athletics

Fixed Home Equity

Fixed Home Equity Loan

Lock in a great rate with our Fixed Home Equity Loan to beautify your home, pay off bills, or take a vacation.

Consolidate Existing Debt 

If you’re looking to consolidate existing debt or lower your interest rate, a Home Equity Loan may be right for you.

Make an Improvement to Your Home

Looking to finance your next home improvement project, and have equity in your home that you can use? The Home Equity Loan could be your answer.

Fixed Interest Rate

With a fixed interest loan, your rate will never change. Simply take out what you need to begin funding your project.

Retire Your Mortgage

You can take paying your mortgage off your list, wipe out other debt, and take care of those home improvements you’ve been delaying.

Fixed Home Equity Loan Rates

Product Annual Percentage Rate Max Term Limits
rates starting at...
Retire Your Mortgage*  3.99% 120 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
3.50% 60 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
4.24% 120 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
4.74% 180 Months $250,000.00
Up to 80% Loan-to-Value
Home Equity Loan
5.24% 240 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
5.75% 60 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
6.49% 120 Months $250,000.00
Over 80% to 90% Loan-to-Value
Home Equity Loan
6.99%  180 Months $250,000.00

*Max 65% LTV and must be in the 1st lien position

Tell me more about Fixed Home Equity Benefits...

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For questions or assistance, contact a friendly UMassFive representative today!