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Home Equity Loans

The Money You Need, Right Under Your Roof.

Use the equity in your home to tackle renovations, consolidate debt, cover college costs, and more. Choose between a predictable fixed-rate Loan or a flexible Line of Credit.

Fixed-Rate Home Equity Loan*

Fixed rate for the life of the loan
Repayment terms up to 20 years
One lump-sum disbursement
Predictable monthly payments
Borrow up to 90% of home value

Home Equity Line of Credit (HELOC)*

Variable rate as low as Prime Rate⁽²⁾
Up to 7 years access and 15 year repayment period
Access funds by check or online banking
No interest charged until you draw funds
Borrow up to 90% of home value

Try our Home Equity Debt Consolidation Calculator to see if it’s right for you.

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Home Equity Loan

Loan Type	Term	Maximum LTV	APR ^(1)(2)(3)as low as
Fixed	Up to 60 months	up to 80% 80.01 - 85% 85.01%-90%	6.99% 7.99% 8.24%
Fixed	Up to 84 months	up to 80% 80.01 - 85% 85.01%-90%	7.49% 8.49% 8.74%
Fixed	Up to 120 months	up to 80% 80.01 - 85% 85.01%-90%	7.49% 8.49% 8.74%
Fixed	Up to 180 months	up to 80% 80.01 - 85% 85.01%-90%	7.99% 8.99% 9.24%
Fixed	Up to 240 months	up to 80% 80.01 - 85% 85.01%-90%	8.49% 9.49% 9.74%

Example payment: The estimated monthly payment for a $20,000 home equity loan, up to 80% LTV with a 120-month term at a rate of as low as 7.49% APR is $237.36.

Home Equity Line-of-Credit

Loan Type	Maximum LTV	Maximum Term	APR ^(1)(2)(3)as low as
Variable	up to 80%	180 months	6.75% (Prime)
Variable	80.01% to 90%	180 months	7.75% (Prime + 1.00%)

⁽¹⁾ APR is Annual Percentage Rate. Rates are subject to change without notice. Rates effective as of 6/1/2026. Rate may vary as it is determined by an evaluation of credit, term, loan-to-value (LTV) and other factors. All loans are subject to credit approval. Certain restrictions and conditions may apply.

⁽²⁾ APR is based on the Prime Rate published in the Wall Street Journal plus or minus a margin and based on evaluation of credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Prime Rate is 6.75% as of the effective date indicated above.

⁽³⁾ All mortgage requests that are in first position must have an escrow account in order for the remittance of taxes and insurance. Property must be located in any U.S. state or the District of Columbia, excluding HI, NY and TX.

^* Closing costs apply to all Home Equity Loans and Home Equity Lines of Credit and are non-refundable. Closing costs are the responsibility of the borrower and may include, but are not limited to, credit report fees, flood certification fees, property ownership and encumbrances search fees, county and/or state recording fees and taxes, and valuation or appraisal fees if required. Fees and charges may vary by state, property location, loan amount, and other factors and are subject to change.

Closing costs may be paid out of pocket at or before closing or, where permitted, financed into the loan amount, which will increase the amount borrowed, or deducted from the loan proceeds, which may reduce the amount of funds received by the borrower.

Home Equity Lines of Credit require a mandatory initial advance of $10,000.00 at Plan opening. Minimum subsequent advances are $500.00.

Minimum loan amount is $10,000. Maximum loan amount for 80% LTV is $250,000. Maximum loan amount greater than 80% LTV is $150,000. Current AgFed Home Equity Loans and Home Equity Lines of Credit being refinanced require a new minimum advance of $10,000. Collateral used in a Home Equity Loan or Home Equity Line of Credit must be occupied as the primary residence of the applicants. Not all properties will qualify as collateral.

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