Skip to main content
Home Equity Loans

Home Equity Loans

You've put a great deal into your home — money, sweat, effort, all of which amounts to a great investment. When you're in need of funds for your next big expense, turn to Atlantic Financial FCU and put your home to work for you.

Apply Now

A home equity loan offers:

  • Low, competitive rates
  • No points
  • Secured by the existing equity in your home
  • Budget-friendly repayment terms
  • Repayment terms of 5, 10, or 15 years
  • Tax advantages may be applicable*

Whether you have home improvements planned or other large expenses such as college tuition, wedding, or a special vacation, get access to the loan amount you need by using the equity you've built in your house. Partner with Atlantic Financial FCU for help turning your home's equity into budget-friendly financing.

Let AFFCU develop a customized financing solution to meet your needs by working with our friendly, experienced lending team who provide prompt, local decision-making and processing.

Explore your financial possibilities.

Become a Member

Low Competitive Rates

AFFCU offers some of the most competitive home equity loan rates in Baltimore, MD. With APR rates as low as 4.50%, you're able to take on new challenges and achieve your goals with a simple low monthly payment. Determine your home loan possibilities based on what we have to offer and what you can afford.

View Rates

Home Equity Loan Benefits

Not only are interest rates historically lower on a home equity loan than credit cards or personal loans, but they offer a host of other benefits to you.

Upfront Capital Available

One of the advantages of taking out a home equity loan is the lump sum available to make large purchases. After all, the main reason why you're in need of a home equity loan is that you have a goal that requires a large down payment. Money that you simply don't have out of pocket.

Fixed Rate Option

You can easily budget your repayment amount with a fixed interest rate. With an ever-changing rate environment, this allows you to know exactly the amount that you need to pay on a monthly basis without any surprises.

Tax Deductions

There may be an opportunity for you to reap tax benefits if the home equity loan is used specifically for home improvements. In order to be sure, consult a tax professional to avoid any mistakes.

Lower Interest Rates

Many opt for a home equity loan due to their low-interest rates. At AFFCU, we offer a home equity line-of-credit at an APR rate as low as 4.50%. This allows you to add necessary home improvements or take a much-needed vacation without compromising your daily quality of life.

Common Uses for Home Equity Loan

It may not always be possible to do the things you want without extra financial help. By taking out a home equity loan, you're able to achieve many goals and do the things you've always dreamt of with a simple monthly payment. The possibilities are endless.

  • Home Improvement Projects
  • College Tuition
  • Wedding Expenses
  • Vacations
  • Large Medical Expenses
  • Personal Debt Payments
  • Real Estate Investments
  • Buying a Car
  • Starting a Business

Apply Now

Additional Lending Resources

At Atlantic Financial FCU, we offer many additional financial resources, products and services to ensure that you're able to make sound financial decisions based on facts and expert guidance.

Home Loan Calculators

Additional Financial Calculators

Lending Resources

Additional Helpful Tools & Education

Can I Apply For A Home Equity Loan?

If you're a current member, or interested in joining and meet our member eligibility requirements, you can apply for a home equity loan with Atlantic Financial FCU.

Once you become a credit union member, you're a member for life, regardless of job or life changes.

We're excited to welcome you.

Become a Member

*Consult a tax advisor.

Take Advantage of AFFCU's Special Limited-Time Home Equity Offers.

Click here to check out the details and special rates on our Home Equity solutions.

  • Competitive rates
  • No points
  • Secured by the existing equity in your home
  • Funds available anytime without reapplying; apply once, then use as needed thereafter
  • Funds conveniently available via:
  • Phone
  • Transfers through online banking
  • Online bill pay
  • Check
  • Revolving credit – available balance replenishes as you make payments
  • The interest paid might be tax deductible*
  • Only pay interest on the part that you use
  • Budget-friendly repayment terms, unique to your situation
  • Prompt, local decision-making and processing
  • Customized, friendly service from our experienced lending team

*Consult a tax advisor

Like what you see? Start the quick online process.

Apply Now