personal.

Home Equity Loans

Home equity: your golden goose

For most people, the equity they have in their home is the most valuable asset in their portfolio. Cashing in on that value is a great way of opening up some funds for your next big purchase. 

Whether it' a new workout room over the garage, your daughter’s college tuition or a new hot tub for the backyard, a home equity line of credit can help get the ball rolling. 

So how much can I get?

In a nutshell, home equity is the total fair market value of your home minus any outstanding loans you have yet to pay. At Vibrant, we take that number and loan you out up to 100% of it. So, the more of your mortgage you’ve paid off, the higher your equitywhich comes back to you as a higher loan principal. 

Build your nest egg by cashing in on your nest!
Home Equity Line of Credit (HELOC) Rates
Term/FinancingAPR as Low asMonthly Payment per $10,000 Borrowed
Fixed Rate HELOC
80% Financing3.990%$100.00
Variable Rate HELOC
5yr Line/5yr Repayment Up to 80% LTV3.750% $100.00
5yr Line/10yr Repayment Up to 80% LTV4.250%$100.00
5yr Line/15yr Repayment Up to 80% LTV4.750%$100.00

APR may vary with credit score and loan to value ratio. 

*Per $10,000 borrowed payment based on 1% of the loan balance. 

** Vibrant Credit Union Home Equity Line of Credit is a variable rate loan and rate may adjust quarterly, however, no more than 1% at each adjustment after consummation of the loan. It is indexed quarterly to the prime rate as published in the Wall Street Journal, minus 1%. Rates quoted may not reflect annual percentage rate (APR). APR may vary with credit score and loan to value ratio. Floor rate for this product is 2.750%. Maximum rate is 18%.

All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. $5 Membership required for all consumer loans.

Home Equity Loan Rates
Term/FinancingAPR as Low asMonthly Payment per $10,000 Borrowed
Fixed Rate
5yr Term Up to 80% LTV4.000%$184.17
10yr Term Up to 80% LTV4.250%$102.44

**All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. LTV= Loan to Value. APR may vary with credit score and loan to value ratio.  Property and flod insurance may be required. $5 Membership required for all consumer loans. There is an application fee of $100.