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Home Equity Loans

You've put a lot into your home — money, time, sweat effort, and more — all of which is likely 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. Home equity loans are available for all our members regardless if they live in Baltimore, MD, the Greater-Baltimore area or elsewhere.

Whether you have home improvements planned or other large expenses such as college tuition, wedding, or a special vacation, get access to the funds 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 for a wide range of short-term and long-term needs. 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.

Home Equity Loan

  • 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*

*Consult a tax advisor.


Low Competitive Rates

AFFCU offers some of the lowest home equity loan rates in Baltimore, MD. Take a look at our loan rates table to see what you can afford.

No points

At Atlantic Financial, we believe that great rates shouldn't come from points or closing costs. Our home equity loans come with no points.

Secured by the existing equity in your home

The equity of your Baltimore home is a valuable asset. Take advantage of the money you've put into your home by taking out a loan up to the full equity you have.

Common Uses for Home Equity Loan

  • Home Improvement projects
  • College Tuition
  • Wedding Expenses
  • Vacation
  • The options are endless!

Can I Apply For A Home Equity Loan?

Anyone who is a current member or meets our member eligibility requirements is able to apply for a home equity loan at Atlantic Financial FCU. View our Membership Eligibility Requirements to learn more about the company employees and non-profit volunteers and donors we serve. Once you become a member, you're a member for life, regardless of job or life changes.

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.

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