Home Equity Fixed Rate Loan

Life can be full of surprises. Why not use the value in your home to help with the planned and the unexpected? Our Fixed Home Equity Loan can be used to finance home improvements, college, debt consolidation, significant life events and unexpected expenses.

The Home Equity Loan is available in Pennsylvania and Maryland only.

limited time offer

as low as:
as low as:

*APR = Annual Percentage Rate at 80% loan to value. Rates effective 9/25/2020. Minimum loan amount of $25,000.00 required. $25,000.00 in new money required when refinancing an existing Members 1st Home Equity Loan. Sample terms: If you borrow $30,000 at 3.49% APR for a 10-year term, your estimated monthly payment may be $296.53. If you borrow $30,000 at 3.99% APR for a 15-year term, your estimated monthly payment may be $221.78. Interest rates are based on creditworthiness and your home's loan-to-value. Primary residence only. Property insurance is required. Pennsylvania and Maryland residences only. Other restrictions or conditions may apply. Rates are subject to change without notice. Consult your tax advisor for tax deduction information.

Equal Housing Lender LogoWe do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

What it is

Why not put the equity in your home to work for you? Use your home's available equity for home improvements, debt consolidation, college tuition, car purchase and more.

Members 1st offers terms and rates* that are tailored to fit all budgets and we make repaying easy with no pre-payment penalties.
*Interest rates are based on creditworthiness and your home's loan-to-value.

Your fixed rate loan rate may vary from what is advertised on our rate sheet as your interest rate will be based on your credit history and current credit report. With Member Loyalty Rewards, you could qualify for a discounted rate.

What We Offer

  • Borrow up to 100% of your home's equity
  • Up to 20-year terms*
  • Low fixed rates
  • No application fees
  • No prepayment penalties
  • Free Quarterly FICO® score
  • Available in Pennsylvania and Maryland only

*Loans may be subject to other terms and conditions.

Apply Online

Tools and Resources

About the application

The loan application process should take approximately 10 minutes to complete. We may need additional information to complete your request, such as:

  • Copy of Current Homeowners Policy
  • Income Verification
  • Members 1st Account
  • For non-members, you'll be required to join Members 1st. By doing so, you'll be able to easily check your loan status at any time.

The Home Equity Loan is available in Pennsylvania and Maryland only.

Apply Online

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