Whether you’re looking to consolidate debt, pay for college tuition or remodel your kitchen, you can use the equity in your home to help finance the cost. Picatinny’s Home Equity Loan Program offers extremely competitive rates on fixed-rate loans and home equity lines of credit (HELOCS). In addition, you will have the flexibility of tailoring your payment schedule to meet your needs and budget.
It's Your Home, It's Your Equity
|Home Equity Loan, Fixed Rate||$15,000 Minimum/$250,000 Maximum||5 Years||3.50%||Apply Now|
|Home Equity Loan, Fixed Rate||$15,000 Minimum/$250,000 Maximum||7 Years||3.75%||Apply Now|
|Home Equity Loan, Fixed Rate||$15,000 Minimum/$250,000 Maximum||10 Years||4.00%||Apply Now|
|Home Equity Loan, Fixed Rate||$15,000 Minimum/$250,000 Maximum||15 Years||4.25%||Apply Now|
|Home Equity Loan, Fixed Rate||$15,000 Minimum/$250,000 Maximum||20 Years||5.25%||Apply Now|
|PFCU Flex - Line Of Credit**||$20,000 Minimum/$250,000 Maximum||30 Years||4.00%||Apply Now|
|Home Equity Loan - Prime LOC**||$20,000 Minimum/$250,000 Maximum||15 Years||4.00%||Apply Now|
|Home Equity Loan||Per $15,000 Borrowed||Per $1,000 Borrowed|
|3.50% APR* for 60 months||$273.00 per month||$18.20 per month|
|3.75% APR for 84 months||$203.40 per month||$13.56 per month|
|4.00% APR for 120 months||$151.94 per month||$10.14 per month|
|4.25% APR for 180 months||$112.90 per month||$7.54 per month|
|5.25% APR for 240 months||$101.12 per month||$6.74 per month|
* APR=Annual Percentage Rate. Loan Rates as of 11/01/20. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.
** The APR for all Equity Lines of Credit may vary and is based on the U.S. prime rate as published in the The Wall Street Journal. The minimum "floor" APR on all Equity Lines of Credit is 4.00% and the maximum APR that can apply is 18%.
Not responsible for typographical errors.
NMLS ID 402605