Home Equity Loan (HELP)
Rates accurate as of November 7, 2025
Rates accurate as of November 7, 2025
| HELP Type | Annual Percentage Rate (APR) | Amortized Term | Loan Fee | |
|---|---|---|---|---|
| 7.250% Fixed (80% Max LTV) Open/Close | ||||
| 7.250% Fixed (80% Max LTV) | 7.515% | 10 Years | $0 | |
| 7.500% Fixed (80% Max LTV) Open/Close | ||||
| 7.500% Fixed (80% Max LTV) | 7.692% | 15 Years | $0 | |
| 7.750% Fixed (80% Max LTV) Open/Close | ||||
| 7.750% Fixed (80% Max LTV) | 7.887% | 25 Years | $0 | |
| Green Choice Retrofit: 6.750% (80% Max LTV) Open/Close | ||||
| Green Choice Retrofit: 6.750% (80% Max LTV) | 7.007% | 10 Years | $0 | |
Product for owner-occupied purchases & refinances.
FIXED-RATE HELP PAYMENT CALCULATIONS
Calculations based on $100,000.00 loan. Payment calculations are principal and interest and do not include taxes or insurance which may increase your monthly payment.
- 25-Year HELP Loan (80% LTV): Interest rate 7.750%, Annual Percentage Rate (APR) 7.887%, 300 monthly payments of $755.33 each, total interest paid $126,920.95.
- 15-Year HELP Loan (80% LTV): Interest rate 7.500%, Annual Percentage Rate (APR) 7.692%, 180 monthly payments of $927.01 each, total interest paid $67,175.06.
- 10-Year HELP Loan (80% LTV): Interest rate 7.250%, Annual Percentage Rate (APR) 7.515%, 120 monthly payments of $1,174.01 each, total interest paid $41,183.36.
- 10-Year Green Choice Retrofit HELP Loan (80% LTV): Interest rate 6.750%, Annual Percentage Rate (APR) 7.007%, 120 monthly payments of $1,148.24 each, total interest paid $38,070.23.
Maximum Loan Amount is $400,000.
Member FDIC
Equal Housing Lender
