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Check today's home equity loan rates

Rates effective as of November 1, 2025. Interest rates may change. Please see your account disclosure for additional details.

Traditional Home Equity Line of Credit: Loan Amounts from $10,000 to $500,000 for single family and townhomes.
  Variable APR*
Based on current WSJ Prime Index & Margin (if any)
Up to 80% LTV 7.000%
80.01% - 90.00% LTV 7.750%
90.01% - 95.00% LTV 8.000%
95.01% - 100.00% LTV 8.500%
*APR = Annual Percentage Rate. The rate disclosed is for borrowers with excellent credit on owner-occupied single-family and townhome properties with a loan-to-value (LTV) up to 80%. The variable rate will adjust to be the greater of WSJ Prime Rate plus your margin, if any, or 4.00% (minimum interest rate/floor). The lifetime maximum variable APR is 18%. All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%. The actual rate will depend on the borrower’s credit score, LTV ratio, property type, automatic payment, and other factors we may lawfully consider. The maximum LTV for condominiums is 75%. Adequate homeowner’s insurance is required for all real estate-secured loans.
MINIMUM LINE OF CREDIT: The minimum Traditional Home Equity Line of Credit is $10,000.
MAXIMUM LINE OF CREDIT: The maximum Traditional Home Equity Line of Credit is $500,000 for less than 85.01% LTV. The maximum Traditional Home Equity Line of Credit is $250,000 for 85.01% to 100.00% LTV.
FEES AND CHARGES: Closing costs may range from $450 to $7,500 depending on property location and loan amount. Ask about how NIHFCU can pay most or all of your closing costs.
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Prime -1% Home Equity Line of Credit: Loan Amounts from $50,000 to $250,000 for single family and townhomes
  Variable APR*
Based on current WSJ Prime Index & Margin (if any) - 1%
Up to 80% LTV 6.000%
*APR = Annual Percentage Rate. The rate disclosed is for borrowers with excellent credit on owner-occupied single-family and townhome properties with a loan-to-value (LTV) up to 80%. The variable rate will adjust to the greater of the WSJ Prime Index plus margin, if any, minus 1.00%, or 4.00% minimum interest rate/floor. The lifetime maximum variable APR is 18%. All disclosed rates assume a 0.25% discount for automatic payments from an NIHFCU account. If automatic payment ceases before the line is paid in full and terminated, the interest rate will increase by 0.25%. The actual rate will depend on the borrower’s credit score, LTV ratio, property type, automatic payment, and other factors we may lawfully consider. The maximum LTV for condominiums is 60%. Adequate homeowner’s insurance is required for all real estate-secured loans.
MINIMUM LINE OF CREDIT: The minimum Prime – 1% Home Equity Line of Credit is $50,000.
MAXIMUM LINE OF CREDIT: The maximum Prime – 1% Home Equity Line of Credit is $250,000.
MINIMUM AVERAGE MONTHLY BALANCE REQUIREMENT: Borrower must maintain an average monthly balance on the line of credit of not less than $40,000 for the first 3 years following closing.
FEES AND CHARGES: Closing costs may range from $500 to $2,700 depending on property location and loan amount. Ask about how NIHFCU can help to pay most or all of your closing costs.
Prime-1% Home Equity Lines of Credit with a credit limit of less than $50,000 or with a credit limit above $250,000 will have higher APRs and other terms different from those disclosed. Visit our rates page for all rates and terms.
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Home Equity Loan: Loan Amounts from $5,000 to $250,000 for single family and townhomes.
Term Interest Rate*
(as low as)		 APR*
(as low as)		 Monthly Payment
Per $1,000 Borrowed
5 Year 5.740% 7.193% $19.21
10 Year 6.870% 7.658% $11.54
15 Year 7.240% 7.808% $9.12
20 Year 8.240% 8.716% $8.51
* Home Equity Loans: APR = Annual Percentage Rate. The disclosed APR is for borrowers with excellent credit on owner-occupied single-family and townhome properties with a loan-to-value (LTV) up to 80%. All disclosed rates assume a 0.25% discount for automatic payment from an NIHFCU account. If automatic payment ceases before the loan is paid in full, the interest rate will increase by 0.25%. The actual rate will depend on the borrower’s credit score, LTV ratio, property type, automatic payment, and other factors we may lawfully consider. The maximum LTV for condominiums is 75%. Payment example: For a $10,000 Home Equity Loan for a term of 5 years @ 5.740% interest rate, the monthly payment will be $192.12. Adequate homeowner’s insurance is required for all real estate-secured loans.
MINIMUM LOAN AMOUNT: The minimum Home Equity Loan is $5,000.
MAXIMUM LOAN AMOUNT: The maximum Home Equity Loan is $250,000.
FEES AND CHARGES: Closing costs may range from $450 to $4,500 depending on property location and loan amount. Ask about how NIHFCU can pay most or all of your closing costs.
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NIHFCU offers home equity loans and lines secured by owner-occupied primary residences in all states excluding AK, CA, HI, FL, NY, TX. Restrictions and conditions apply.

Questions? Call 301.718.4747 or 855.203.4747 toll-free
Email: HomeEquity@nihfcu.org