Home Equity Line of Credit product from Cobalt Credit Union - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from Cobalt Credit Union. You can adjust loan amount, interest rate, and the home equity term to view the impact on the monthly payment amount. The calculator also provides an amortization table to show the amount of principal and interest payments a borrower will make over the life of the line of credit.

Home Equity product from Cobalt Credit Union

Product Total Termlength: 20 Years
Interest Rate: 6.25%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $2,376.39, Year 2: $2,413.82, Year 3: $2,451.24, Year 4: $2,488.66, Year 5: $2,526.09, Year 6: $2,563.51, Year 7: $2,600.93, Year 8: $2,638.36, Year 9: $2,675.78, Year 10: $2,713.21, Year 11: $2,750.63, Year 12: $2,788.05, Year 13: $2,825.48, Year 14: $2,862.90, Year 15: $2,900.32, Year 16: $2,937.75, Year 17: $2,975.17, Year 18: $3,012.59, Year 19: $3,050.02, Year 20: $3,087.44,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
11/18/2025	$320,000.00	$2,376.39	$1,693.33	$683.06
12/18/2025	$319,316.94	$2,376.39	$1,693.33	$683.06
01/18/2026	$318,630.26	$2,376.39	$1,689.72	$686.67
02/18/2026	$317,939.96	$2,376.39	$1,686.09	$690.31
03/18/2026	$317,245.99	$2,376.39	$1,682.43	$693.96
04/18/2026	$316,548.36	$2,376.39	$1,678.76	$697.63
05/18/2026	$315,847.04	$2,376.39	$1,675.07	$701.33
06/18/2026	$315,142.00	$2,376.39	$1,671.36	$705.04
07/18/2026	$314,433.23	$2,376.39	$1,667.63	$708.77
08/18/2026	$313,720.71	$2,376.39	$1,663.88	$712.52
09/18/2026	$313,004.43	$2,376.39	$1,660.11	$716.29
10/18/2026	$312,284.35	$2,376.39	$1,656.32	$720.08
11/18/2026	$311,549.06	$2,413.82	$1,678.53	$735.29
12/18/2026	$310,809.82	$2,413.82	$1,674.58	$739.24
01/18/2027	$310,066.60	$2,413.82	$1,670.60	$743.21
02/18/2027	$309,319.39	$2,413.82	$1,666.61	$747.21
03/18/2027	$308,568.17	$2,413.82	$1,662.59	$751.23
04/18/2027	$307,812.90	$2,413.82	$1,658.55	$755.26
05/18/2027	$307,053.58	$2,413.82	$1,654.49	$759.32
06/18/2027	$306,290.18	$2,413.82	$1,650.41	$763.40
07/18/2027	$305,522.67	$2,413.82	$1,646.31	$767.51
08/18/2027	$304,751.04	$2,413.82	$1,642.18	$771.63
09/18/2027	$303,975.26	$2,413.82	$1,638.04	$775.78
10/18/2027	$303,195.31	$2,413.82	$1,633.87	$779.95
11/18/2027	$302,399.01	$2,451.24	$1,654.94	$796.30
12/18/2027	$301,598.36	$2,451.24	$1,650.59	$800.65
01/18/2028	$300,793.34	$2,451.24	$1,646.22	$805.02
02/18/2028	$299,983.93	$2,451.24	$1,641.83	$809.41
03/18/2028	$299,170.10	$2,451.24	$1,637.41	$813.83
04/18/2028	$298,351.83	$2,451.24	$1,632.97	$818.27
05/18/2028	$297,529.10	$2,451.24	$1,628.50	$822.74
06/18/2028	$296,701.87	$2,451.24	$1,624.01	$827.23
07/18/2028	$295,870.12	$2,451.24	$1,619.50	$831.74
08/18/2028	$295,033.84	$2,451.24	$1,614.96	$836.28
09/18/2028	$294,192.99	$2,451.24	$1,610.39	$840.85
10/18/2028	$293,347.56	$2,451.24	$1,605.80	$845.44
11/18/2028	$292,484.53	$2,488.66	$1,625.63	$863.03
12/18/2028	$291,616.71	$2,488.66	$1,620.85	$867.81
01/18/2029	$290,744.09	$2,488.66	$1,616.04	$872.62
02/18/2029	$289,866.63	$2,488.66	$1,611.21	$877.46
03/18/2029	$288,984.31	$2,488.66	$1,606.34	$882.32
04/18/2029	$288,097.11	$2,488.66	$1,601.45	$887.21
05/18/2029	$287,204.98	$2,488.66	$1,596.54	$892.13
06/18/2029	$286,307.91	$2,488.66	$1,591.59	$897.07
07/18/2029	$285,405.87	$2,488.66	$1,586.62	$902.04
08/18/2029	$284,498.83	$2,488.66	$1,581.62	$907.04
09/18/2029	$283,586.76	$2,488.66	$1,576.60	$912.07
10/18/2029	$282,669.64	$2,488.66	$1,571.54	$917.12
11/18/2029	$281,733.57	$2,526.09	$1,590.02	$936.07
12/18/2029	$280,792.23	$2,526.09	$1,584.75	$941.34
01/18/2030	$279,845.60	$2,526.09	$1,579.46	$946.63
02/18/2030	$278,893.64	$2,526.09	$1,574.13	$951.96
03/18/2030	$277,936.33	$2,526.09	$1,568.78	$957.31
04/18/2030	$276,973.64	$2,526.09	$1,563.39	$962.70
05/18/2030	$276,005.53	$2,526.09	$1,557.98	$968.11
06/18/2030	$275,031.97	$2,526.09	$1,552.53	$973.56
07/18/2030	$274,052.94	$2,526.09	$1,547.05	$979.03
08/18/2030	$273,068.40	$2,526.09	$1,541.55	$984.54
09/18/2030	$272,078.32	$2,526.09	$1,536.01	$990.08
10/18/2030	$271,082.67	$2,526.09	$1,530.44	$995.65
11/18/2030	$270,066.59	$2,563.51	$1,547.43	$1,016.08
12/18/2030	$269,044.71	$2,563.51	$1,541.63	$1,021.88
01/18/2031	$268,016.99	$2,563.51	$1,535.80	$1,027.71
02/18/2031	$266,983.41	$2,563.51	$1,529.93	$1,033.58
03/18/2031	$265,943.93	$2,563.51	$1,524.03	$1,039.48
04/18/2031	$264,898.52	$2,563.51	$1,518.10	$1,045.41
05/18/2031	$263,847.13	$2,563.51	$1,512.13	$1,051.38
06/18/2031	$262,789.75	$2,563.51	$1,506.13	$1,057.38
07/18/2031	$261,726.33	$2,563.51	$1,500.09	$1,063.42
08/18/2031	$260,656.84	$2,563.51	$1,494.02	$1,069.49
09/18/2031	$259,581.24	$2,563.51	$1,487.92	$1,075.60
10/18/2031	$258,499.51	$2,563.51	$1,481.78	$1,081.74
11/18/2031	$257,395.72	$2,600.93	$1,497.14	$1,103.79
12/18/2031	$256,285.53	$2,600.93	$1,490.75	$1,110.18
01/18/2032	$255,168.92	$2,600.93	$1,484.32	$1,116.61
02/18/2032	$254,045.84	$2,600.93	$1,477.85	$1,123.08
03/18/2032	$252,916.25	$2,600.93	$1,471.35	$1,129.59
04/18/2032	$251,780.12	$2,600.93	$1,464.81	$1,136.13
05/18/2032	$250,637.41	$2,600.93	$1,458.23	$1,142.71
06/18/2032	$249,488.09	$2,600.93	$1,451.61	$1,149.33
07/18/2032	$248,332.10	$2,600.93	$1,444.95	$1,155.98
08/18/2032	$247,169.43	$2,600.93	$1,438.26	$1,162.68
09/18/2032	$246,000.01	$2,600.93	$1,431.52	$1,169.41
10/18/2032	$244,823.83	$2,600.93	$1,424.75	$1,176.18
11/18/2032	$243,623.81	$2,638.36	$1,438.34	$1,200.02
12/18/2032	$242,416.74	$2,638.36	$1,431.29	$1,207.07
01/18/2033	$241,202.58	$2,638.36	$1,424.20	$1,214.16
02/18/2033	$239,981.29	$2,638.36	$1,417.07	$1,221.29
03/18/2033	$238,752.82	$2,638.36	$1,409.89	$1,228.47
04/18/2033	$237,517.14	$2,638.36	$1,402.67	$1,235.69
05/18/2033	$236,274.19	$2,638.36	$1,395.41	$1,242.95
06/18/2033	$235,023.94	$2,638.36	$1,388.11	$1,250.25
07/18/2033	$233,766.35	$2,638.36	$1,380.77	$1,257.59
08/18/2033	$232,501.37	$2,638.36	$1,373.38	$1,264.98
09/18/2033	$231,228.96	$2,638.36	$1,365.95	$1,272.41
10/18/2033	$229,949.07	$2,638.36	$1,358.47	$1,279.89
11/18/2033	$228,643.40	$2,675.78	$1,370.11	$1,305.67
12/18/2033	$227,329.95	$2,675.78	$1,362.33	$1,313.45
01/18/2034	$226,008.68	$2,675.78	$1,354.51	$1,321.27
02/18/2034	$224,679.53	$2,675.78	$1,346.64	$1,329.15
03/18/2034	$223,342.46	$2,675.78	$1,338.72	$1,337.07
04/18/2034	$221,997.43	$2,675.78	$1,330.75	$1,345.03
05/18/2034	$220,644.38	$2,675.78	$1,322.73	$1,353.05
06/18/2034	$219,283.27	$2,675.78	$1,314.67	$1,361.11
07/18/2034	$217,914.05	$2,675.78	$1,306.56	$1,369.22
08/18/2034	$216,536.68	$2,675.78	$1,298.40	$1,377.38
09/18/2034	$215,151.09	$2,675.78	$1,290.20	$1,385.58
10/18/2034	$213,757.25	$2,675.78	$1,281.94	$1,393.84
11/18/2034	$212,335.50	$2,713.21	$1,291.45	$1,421.76
12/18/2034	$210,905.15	$2,713.21	$1,282.86	$1,430.35
01/18/2035	$209,466.16	$2,713.21	$1,274.22	$1,438.99
02/18/2035	$208,018.48	$2,713.21	$1,265.52	$1,447.68
03/18/2035	$206,562.06	$2,713.21	$1,256.78	$1,456.43
04/18/2035	$205,096.83	$2,713.21	$1,247.98	$1,465.23
05/18/2035	$203,622.75	$2,713.21	$1,239.13	$1,474.08
06/18/2035	$202,139.77	$2,713.21	$1,230.22	$1,482.98
07/18/2035	$200,647.82	$2,713.21	$1,221.26	$1,491.94
08/18/2035	$199,146.86	$2,713.21	$1,212.25	$1,500.96
09/18/2035	$197,636.84	$2,713.21	$1,203.18	$1,510.03
10/18/2035	$196,117.69	$2,713.21	$1,194.06	$1,519.15
11/18/2035	$194,568.28	$2,750.63	$1,201.22	$1,549.41
12/18/2035	$193,009.38	$2,750.63	$1,191.73	$1,558.90
01/18/2036	$191,440.93	$2,750.63	$1,182.18	$1,568.45
02/18/2036	$189,862.88	$2,750.63	$1,172.58	$1,578.05
03/18/2036	$188,275.16	$2,750.63	$1,162.91	$1,587.72
04/18/2036	$186,677.72	$2,750.63	$1,153.19	$1,597.44
05/18/2036	$185,070.49	$2,750.63	$1,143.40	$1,607.23
06/18/2036	$183,453.42	$2,750.63	$1,133.56	$1,617.07
07/18/2036	$181,826.44	$2,750.63	$1,123.65	$1,626.98
08/18/2036	$180,189.50	$2,750.63	$1,113.69	$1,636.94
09/18/2036	$178,542.53	$2,750.63	$1,103.66	$1,646.97
10/18/2036	$176,885.48	$2,750.63	$1,093.57	$1,657.06
11/18/2036	$175,195.59	$2,788.05	$1,098.16	$1,689.89
12/18/2036	$173,495.21	$2,788.05	$1,087.67	$1,700.38
01/18/2037	$171,784.27	$2,788.05	$1,077.12	$1,710.94
02/18/2037	$170,062.71	$2,788.05	$1,066.49	$1,721.56
03/18/2037	$168,330.47	$2,788.05	$1,055.81	$1,732.25
04/18/2037	$166,587.46	$2,788.05	$1,045.05	$1,743.00
05/18/2037	$164,833.64	$2,788.05	$1,034.23	$1,753.82
06/18/2037	$163,068.93	$2,788.05	$1,023.34	$1,764.71
07/18/2037	$161,293.27	$2,788.05	$1,012.39	$1,775.67
08/18/2037	$159,506.58	$2,788.05	$1,001.36	$1,786.69
09/18/2037	$157,708.79	$2,788.05	$990.27	$1,797.78
10/18/2037	$155,899.85	$2,788.05	$979.11	$1,808.94
11/18/2037	$154,055.24	$2,825.48	$980.87	$1,844.61
12/18/2037	$152,199.03	$2,825.48	$969.26	$1,856.21
01/18/2038	$150,331.14	$2,825.48	$957.59	$1,867.89
02/18/2038	$148,451.50	$2,825.48	$945.83	$1,879.64
03/18/2038	$146,560.03	$2,825.48	$934.01	$1,891.47
04/18/2038	$144,656.66	$2,825.48	$922.11	$1,903.37
05/18/2038	$142,741.32	$2,825.48	$910.13	$1,915.34
06/18/2038	$140,813.92	$2,825.48	$898.08	$1,927.40
07/18/2038	$138,874.40	$2,825.48	$885.95	$1,939.52
08/18/2038	$136,922.67	$2,825.48	$873.75	$1,951.72
09/18/2038	$134,958.67	$2,825.48	$861.47	$1,964.00
10/18/2038	$132,982.31	$2,825.48	$849.11	$1,976.36
11/18/2038	$130,967.17	$2,862.90	$847.76	$2,015.14
12/18/2038	$128,939.19	$2,862.90	$834.92	$2,027.98
01/18/2039	$126,898.28	$2,862.90	$821.99	$2,040.91
02/18/2039	$124,844.35	$2,862.90	$808.98	$2,053.92
03/18/2039	$122,777.34	$2,862.90	$795.88	$2,067.02
04/18/2039	$120,697.14	$2,862.90	$782.71	$2,080.19
05/18/2039	$118,603.69	$2,862.90	$769.44	$2,093.46
06/18/2039	$116,496.89	$2,862.90	$756.10	$2,106.80
07/18/2039	$114,376.65	$2,862.90	$742.67	$2,120.23
08/18/2039	$112,242.90	$2,862.90	$729.15	$2,133.75
09/18/2039	$110,095.55	$2,862.90	$715.55	$2,147.35
10/18/2039	$107,934.51	$2,862.90	$701.86	$2,161.04
11/18/2039	$105,731.27	$2,900.32	$697.08	$2,203.25
12/18/2039	$103,513.79	$2,900.32	$682.85	$2,217.48
01/18/2040	$101,282.00	$2,900.32	$668.53	$2,231.80
02/18/2040	$99,035.79	$2,900.32	$654.11	$2,246.21
03/18/2040	$96,775.07	$2,900.32	$639.61	$2,260.72
04/18/2040	$94,499.75	$2,900.32	$625.01	$2,275.32
05/18/2040	$92,209.74	$2,900.32	$610.31	$2,290.01
06/18/2040	$89,904.94	$2,900.32	$595.52	$2,304.80
07/18/2040	$87,585.25	$2,900.32	$580.64	$2,319.69
08/18/2040	$85,250.58	$2,900.32	$565.65	$2,334.67
09/18/2040	$82,900.83	$2,900.32	$550.58	$2,349.75
10/18/2040	$80,535.91	$2,900.32	$535.40	$2,364.92
11/18/2040	$78,125.01	$2,937.75	$526.84	$2,410.91
12/18/2040	$75,698.33	$2,937.75	$511.07	$2,426.68
01/18/2041	$73,255.77	$2,937.75	$495.19	$2,442.55
02/18/2041	$70,797.24	$2,937.75	$479.21	$2,458.53
03/18/2041	$68,322.63	$2,937.75	$463.13	$2,474.61
04/18/2041	$65,831.82	$2,937.75	$446.94	$2,490.80
05/18/2041	$63,324.73	$2,937.75	$430.65	$2,507.10
06/18/2041	$60,801.23	$2,937.75	$414.25	$2,523.50
07/18/2041	$58,261.22	$2,937.75	$397.74	$2,540.01
08/18/2041	$55,704.60	$2,937.75	$381.13	$2,556.62
09/18/2041	$53,131.26	$2,937.75	$364.40	$2,573.35
10/18/2041	$50,541.08	$2,937.75	$347.57	$2,590.18
11/18/2041	$47,900.74	$2,975.17	$334.83	$2,640.34
12/18/2041	$45,242.91	$2,975.17	$317.34	$2,657.83
01/18/2042	$42,567.48	$2,975.17	$299.73	$2,675.44
02/18/2042	$39,874.32	$2,975.17	$282.01	$2,693.16
03/18/2042	$37,163.32	$2,975.17	$264.17	$2,711.00
04/18/2042	$34,434.35	$2,975.17	$246.21	$2,728.96
05/18/2042	$31,687.31	$2,975.17	$228.13	$2,747.04
06/18/2042	$28,922.07	$2,975.17	$209.93	$2,765.24
07/18/2042	$26,138.51	$2,975.17	$191.61	$2,783.56
08/18/2042	$23,336.50	$2,975.17	$173.17	$2,802.00
09/18/2042	$20,515.94	$2,975.17	$154.60	$2,820.57
10/18/2042	$17,676.69	$2,975.17	$135.92	$2,839.25
11/18/2042	$14,782.67	$3,012.59	$118.58	$2,894.01
12/18/2042	$11,869.25	$3,012.59	$99.17	$2,913.43
01/18/2043	$8,936.28	$3,012.59	$79.62	$2,932.97
02/18/2043	$5,983.63	$3,012.59	$59.95	$2,952.65
03/18/2043	$3,011.18	$3,012.59	$40.14	$2,972.45
04/18/2043	$18.78	$3,012.59	$20.20	$2,992.39
05/18/2043	$-2,993.68	$3,012.59	$0.13	$3,012.47
06/18/2043	$-6,026.36	$3,012.59	$-20.08	$3,032.68
07/18/2043	$-9,079.38	$3,012.59	$-40.43	$3,053.02
08/18/2043	$-12,152.88	$3,012.59	$-60.91	$3,073.50
09/18/2043	$-15,247.00	$3,012.59	$-81.53	$3,094.12
10/18/2043	$-18,361.88	$3,012.59	$-102.28	$3,114.88
11/18/2043	$-21,536.60	$3,050.02	$-124.71	$3,174.72
12/18/2043	$-24,732.89	$3,050.02	$-146.27	$3,196.29
01/18/2044	$-27,950.88	$3,050.02	$-167.98	$3,217.99
02/18/2044	$-31,190.73	$3,050.02	$-189.83	$3,239.85
03/18/2044	$-34,452.59	$3,050.02	$-211.84	$3,261.85
04/18/2044	$-37,736.60	$3,050.02	$-233.99	$3,284.01
05/18/2044	$-41,042.91	$3,050.02	$-256.29	$3,306.31
06/18/2044	$-44,371.67	$3,050.02	$-278.75	$3,328.77
07/18/2044	$-47,723.05	$3,050.02	$-301.36	$3,351.37
08/18/2044	$-51,097.19	$3,050.02	$-324.12	$3,374.14
09/18/2044	$-54,494.24	$3,050.02	$-347.04	$3,397.05
10/18/2044	$-57,914.36	$3,050.02	$-370.11	$3,420.12
11/18/2044	$-61,399.96	$3,087.44	$-398.16	$3,485.60
12/18/2044	$-64,909.53	$3,087.44	$-422.12	$3,509.57
01/18/2045	$-68,443.22	$3,087.44	$-446.25	$3,533.69
02/18/2045	$-72,001.21	$3,087.44	$-470.55	$3,557.99
03/18/2045	$-75,583.66	$3,087.44	$-495.01	$3,582.45
04/18/2045	$-79,190.74	$3,087.44	$-519.64	$3,607.08
05/18/2045	$-82,822.62	$3,087.44	$-544.44	$3,631.88
06/18/2045	$-86,479.46	$3,087.44	$-569.41	$3,656.85
07/18/2045	$-90,161.45	$3,087.44	$-594.55	$3,681.99
08/18/2045	$-93,868.75	$3,087.44	$-619.86	$3,707.30
09/18/2045	$-97,601.54	$3,087.44	$-645.35	$3,732.79
10/18/2045	$-101,359.99	$3,087.44	$-671.01	$3,758.45
TOTAL:	-	$655,660.14	$233,617.09	$422,043.05

Change options for different scenario in the form below:

Featured New York Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line Equal Housing Lender	#1 Non-bank HELOC in the US, A+ BBB Rating		Learn More
#1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
Upstart Home Lending	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More
As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873
Achieve Loans	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More
Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600 More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity.
Figure Home Equity	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More
Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
Four Leaf Federal Credit Union	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More
Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5] More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000.
Rate	Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi		Learn More
Nation's #2 retail mortgage lender in 2024. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. No in-person appraisal needed. More Info
A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and governement fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
Upstart Home Lending	As low as 6.52% APR on your initial draw*		Learn More
As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply More Info
1. APRs for initial advances range from 6.77% to 18.00% based on funded HELOCs as of September 2024. Your actual rate will depend on many factors such as your credit history, loan-to-value ratio, line amount, loan term, lien position, and property state. The lowest rates are only available to the most qualified applicants. The APR is variable, but the APR that will apply to each draw will be fixed on the date the draw is made. 2. As of October 2024, 10% of funded HELOCs achieved a closing timeline in as little as 3 days or less and a funding timeline in as little as 9 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days. 3. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC. Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873
AmeriSave Mortgage Corporation	Home Equity Loans & Refinance – Cash out		Learn More
Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business More Info
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
Spring EQ	The leader for homeowners tapping cash from their homes since 2016.		Learn More
Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). More Info
About Spring EQ’s Rates and Terms Spring EQ LLC NMLS ID #1464945 (nmlsconsumeracces.org). No prepayment penalty. No need to refinance your first mortgage. Closed-end fixed rate loans and fixed and adjustable rate HELOC options are available. Spring EQ is an Equal Housing Lender. These results are for informational purposes only. This offer is an invitation to apply for an offer for credit or a loan and should not be construed as an indication of eligibility or a binding underwriting decision. Rates are subject to change based on market conditions and the entries of your specific application. All loans are subject to $995 origination fee and annual fee of $99 (except in certain states, where fees may be lower or not applicable), plus third-party fees. Monthly payment shown reflects monthly principal and interest amortized over the term of the loan based on the initial draw amount. Spring EQ applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Any pre-qualification or result is in no way a pre-approval, indication of eligibility, or binding underwriting decision. All borrowers are required to meet Spring EQ's current underwriting guidelines including verifications of applicant’s credit profile and property value, $25,000 initial draw requirement OR 75% of the line amount (whichever is greater), a FICO score of 640 or greater, and a debt-to-income ratio of less than 50%. Actual rate and APR for qualified borrowers will be determined by a combination of factors, including their creditworthiness as determined by a single credit bureau pull, loan amount requested, property value, and more. In addition to these, other factors specific to applicants' profile and Spring EQ's Underwriting Guidelines may impact rate and eligibility. Offers subject to origination fees based on loan type and property state.
Figure Home Equity Line Equal Housing Lender	HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.		Learn More
Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Home Equity Line of Credit product from Cobalt Credit Union - Amortization Schedule Calculator

Home Equity product from Cobalt Credit Union

Featured New York Home Equity Rates 2025

Home Equity and Mortgage Rate Newsletter

Download a Free eBook