Home Equity Fixed Rate

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LIMTED TIME OFFER: Enter to win a $500 Visa Gift Card and experience no fees when taking advantage of our Home Equity Fixed Rate Loan!

Leveraging the equity in your home can allow you to reach all types of financial goals. Whether you’re taking on a home renovation or sending your child off to college – home equity loans can be a powerful lending tool. Using this fixed-rate loan gives you one lump sum based on the value of your home’s equity. With competitive rates and an easy application process, we’re ready to help you put your home’s equity to work.

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Home Equity Rates – Fixed

Home Equity 1st Lien
Term APR*
60 Months 3.15%
120 Months 4.27%
180 Months 4.36%
Home Equity 2nd Lien
Term APR*
60 Months 3.40%
120 Months 4.61%
180 Months 4.86%

*Annual Percentage Rate (APR). Stated APR calculated on $25,000 loan amount for borrowers with a credit score of 740 and above, loans secured by 1st/2nd Lien on borrowers principal dwelling, the maximum combined LTV 90%, and the payment automatically deducted from a White Rose Credit Union deposit account. Other rates and terms available.

All rates are subject to change without notice.

What is a Home Equity Fixed Rate loan?

A fixed-rate Home Equity Loan, consists of a lump sum, paid back at a fixed, locked-in rate, based on the equity of your home. Fixed-Rate Home Equity loans are great options one time costs and large expenses.

Our home equity loans feature:

  • Fixed interest rates
  • The ability to leverage the equity in your home
  • Multiple repayment terms
  • Easy application process


*APR = Annual Percentage Rate. All rates are based on “A+” credit and requires autopay. All rates are subject to change without notice. Must qualify for membership. Some restrictions apply. Federally insured by NCUA.

No Fee Special and Gift Card Giveaway – The fixed Home Equity Loan rate of 2.99% APR includes the no fee special. Promotion ends 6/30/2022. Some restrictions apply. $10,000 increase required when refinancing existing White Rose Credit Union Home Equity Loans to obtain the no fee special.