Home Equity Loan (HELP)

Rates accurate as of July 3, 2025

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Rates accurate as of July 3, 2025
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HELP Type Annual Percentage Rate (APR) Amortized Term Loan Fee
8.250% Fixed (90% Max LTV) Open/Close
HELP Type 8.250% Fixed (90% Max LTV) Annual Percentage Rate (APR) 8.529% Amortized Term 10 Years Loan Fee $0 Contact a Loan Officer
7.250% Fixed (80% Max LTV) Open/Close
HELP Type 7.250% Fixed (80% Max LTV) Annual Percentage Rate (APR) 7.515% Amortized Term 10 Years Loan Fee $0
8.500% Fixed (90% Max LTV) Open/Close
HELP Type 8.500% Fixed (90% Max LTV) Annual Percentage Rate (APR) 8.705% Amortized Term 15 Years Loan Fee $0
7.500% Fixed (80% Max LTV) Open/Close
HELP Type 7.500% Fixed (80% Max LTV) Annual Percentage Rate (APR) 7.692% Amortized Term 15 Years Loan Fee $0
8.750% Fixed (90% Max LTV) Open/Close
HELP Type 8.750% Fixed (90% Max LTV) Annual Percentage Rate (APR) 8.899% Amortized Term 25 Years Loan Fee $0
7.750% Fixed (80% Max LTV) Open/Close
HELP Type 7.750% Fixed (80% Max LTV) Annual Percentage Rate (APR) 7.887% Amortized Term 25 Years Loan Fee $0
Green Choice Retrofit: 7.750% (90% Max LTV) Open/Close
HELP Type Green Choice Retrofit: 7.750% (90% Max LTV) Annual Percentage Rate (APR) 8.022% Amortized Term 10 Years Loan Fee $0 Contact a Loan Officer
Green Choice Retrofit: 6.750% (80% Max LTV) Open/Close
HELP Type Green Choice Retrofit: 6.750% (80% Max LTV) Annual Percentage Rate (APR) 7.007% Amortized Term 10 Years Loan Fee $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 (90% LTV): Interest rate 8.750%, Annual Percentage Rate (APR) 8.899%, 300 monthly payments of $822.14 each, total interest paid $147,010.74.
  • 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 (90% LTV): Interest rate 8.500%, Annual Percentage Rate (APR) 8.705%, 180 monthly payments of $984.74 each, total interest paid $77,607.20.
  • 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 (90% LTV): Interest rate 8.250%, Annual Percentage Rate (APR) 8.529%, 120 monthly payments of $1,226.53 each, total interest paid $47,526.71.
  • 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 (90% LTV): Interest rate 7.750%, Annual Percentage Rate (APR) 8.022%, 120 monthly payments of $1,200.11 each, total interest paid $44,335.51.
  • 10-Year Green Choice Retrofit HELP Loan (80% LTV): Interest rate 6.750%, Annual Percentage Rate (APR) 7.007%, 120 monthly payments of $1,148.42 each, total interest paid $38,070.23.

Maximum Loan Amount is $250,000; however, the following stipulations apply:

  • If Olyfed is in 1st lien position, 90% maximum loan to value up to $150,000
  • If Olyfed is NOT in 1st lien position, 80% maximum loan to value up to $150,000
  • 75% maximum loan to value for loan amounts $150,001- $250,000.
  • 75% maximum loan to value if the purpose of this HELP is for debt consolidation

Member FDIC
Equal Housing Lender