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Tap into the Equity of Your Home

HOME EQUITY

Home is a great place to be. It’s also a great financial resource. That’s because you can use the equity you’ve built to consolidate debt, make home improvements, pay for education – or cover any unexpected expenses that arise. Now that’s smart. NASA smart.

If you need a one-time lump sum:

A Home Equity Loan is the way to go. You’ll enjoy predictable, fixed payments for the term of your loan, plus:

  • Fixed rates as low as 5.50% APR1 for 60-months2
  • Terms up to 240 months
  • Access up to 95% of your home’s value up to $100,0003
  • Access up to 85% of your home's value up to $250,000
  • No points, closing costs4 or fees

Select to Apply Now for a Home Equity Loan.

Already applied? Access your Home Equity Loan here.

 

 

If you have ongoing borrowing needs:

A Home Equity Line of Credit (HELOC) may be perfect for you. Here’s why:

  • Easy access to funds anytime with eBranch Banking or convenience checks
  • Variable rates as low as 6.00% APR5
  • Access up to 95% of your home’s value up to $100,0003
  • Access up to 85% of your home's value up to $250,000
  • No points, closing costs4 or fees


Select to Apply Now for a Home Equity Line of credit.

Already applied? Access your HELOC here.

APR = Annual Percentage Rate. APR is based on evaluation of applicant's credit and on associated loan-to-value (LTV) ratio. Your actual APR may vary.

 

2 Fixed Equity Loan Example: A $50,000 loan at 5.50% APR for 60 months would have an estimated monthly payment of $955.06. Payments shown do not include taxes or insurance, so your payment may be greater. Other restrictions apply.

 

3 Amount is capped at $100,000 for loans or lines of credit up to 95% of the home's value and is only available in: CO, CT, DE, DC, FL, GA, MA, ME, MD, MN, NC, NH, OR, PA, RI, VA, VT, WA, and WV.

 

4 No closing cost offer available one time only per property and for primary residence only. Closing costs must be repaid if line is closed before 36 months. For loan amounts of $100,000, closing costs typically range between $1,200 and $2,100. Closing costs can vary based on the location of the property and the amount of the Loan.

 

5 APR = Annual Percentage Rate. Variable rate as low as Prime minus 0.25%. 4.00% Floor Rate regardless of a lower Prime Rate. The APR is a variable rate and is based on the Prime rate as disclosed in The Wall Street Journal plus or minus a margin based on your credit history. The rate is subject to change. Maximum APR is 18%. For loan amounts of $100,000, closing costs typically range between $1,200 and $2,100. Closing costs can vary based on the location of the property and the amount of the loan. Payment Example: A $100,000 loan at 6.00% APR for 20 years would have an estimated payment of $716.43. Payments shown do not include taxes or insurance, so your payment may be greater. Other restrictions apply.

 

Rates and offers effective as of October 1, 2022. Subject to change at any time. Credit approval required. Payments shown do not include taxes or insurance, so your payment may be greater. Other restrictions apply.

 

Home Equity Loans and Lines of Credit not available in AK, HI, IA, NJ, NY, and TX. 

 

Condos, investment properties, manufactured homes, multi-unit dwellings, and co-op properties are not eligible for NASA Federal home equity programs.

Confidential information such as account numbers and social security numbers should not be sent by email for security reasons. Instead, please contact us directly at 1-888-NASA-FCU, send us a secure message through eBranch Online Banking or Mobile Banking, or visit your nearest branch.

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