Home Equity Loans and Home Equity Lines of Credit

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Put the equity in your home to work with an equity loan or line of credit from Provident. Your payments on a home equity loan or line of credit may even be tax deductible -- consult your tax advisor. Choose a closed end loan for a single purchase such as a car.

Rates   Apply   Equity Specialist

Home Equity Loans (2nd Mortgages) 

If you like the stability of a predictable monthly payment this option provides a great fixed rate. It can be used for large purchases or debt consolidation with your choice of term options ranging from 5, 10, 15, or 20 years. Borrow up to 75%* combined loan to value (CLTV), with loan amounts up to $200,000.

Rates as low as 4.875% APR Apply

* Certain restrictions apply for CLTVs over 65%. See rates page for details.

Home Equity Lines of Credit (HELOCS) 

Prime Plus HELOC

This line of credit features a rate that is 0.75% above the Prime Rate and lets you access up to your credit limit, with lines up to $200000.**

Rates as low as 6% APR Apply

Relationship HELOC

If you have other qualifying accounts or products*** at Provident, that relationship turns your Prime Plus HELOC into a Relationship HELOC. Instead of adding 0.75% to the Prime Rate, your loyalty to Provident is rewarded with a rate that is only 0.5% above the Prime Rate.**

Rates as low as 5.75% APR Apply

5-Year Fixed Prime Plus HELOC

This loan features a low fixed rate for the first five years and then adjusts monthly. Access up to your credit limit, with lines up to $200000.**

Rates as low as 6.25% APR

5-Year Fixed Relationship HELOC

Like the Fixed Prime Plus HELOC, this loan features a low fixed rate for the first five years and then adjusts monthly. But, if you have other qualifying accounts or products*** at Provident, you receive a 0.25% rate reduction throughout the life of the loan.

Rates as low as 6% APR Apply

For current rates and other details, see rates. Ceiling is 6% above the initial, fully indexed rate. Minimum line to apply for is $25,000.
** This is a Variable Rate Loan: rate and payment will change monthly as the Prime Rate (as published in the Wall Street Journal) changes.
*** Contact us to obtain details on qualifying accounts.

Apply Now!

Ready to start tapping into your home's equity? To apply online for an equity loan (2nd mortgage) or for a HELOC with an Equity Platinum Visa, click on the apply button below.

Apply Online Now

To receive an equity loan or line of credit application by mail, call (800) 632-4600 and press 321, or e-mail our Real Estate Lending Department.

Provident Credit Union NMLS #412725.