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

Use the calculator below to calculate your monthly home equity payment for the line of credit from PenFed 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 PenFed Credit Union

Equal Housing Lender
Loans Amounts from $25,000 - $500,000.

Loans Amounts from $25,000 - $500,000.
Get a HELOC from PenFed to Put Your Home Equity to Work.
HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans.
Home Equity Line of Credit - Equal Housing Lender.

Learn More

Monthly Payment: Year 1: $inf, Year 2: $inf, Year 3: $inf, Year 4: $inf, Year 5: $inf, Year 6: $inf, Year 7: $inf, Year 8: $inf, Year 9: $inf, Year 10: $inf, Year 11: $inf, Year 12: $inf, Year 13: $inf, Year 14: $inf, Year 15: $inf, Year 16: $inf, Year 17: $inf, Year 18: $inf, Year 19: $inf, Year 20: $inf, Year 21: $inf, Year 22: $inf, Year 23: $inf, Year 24: $inf, Year 25: $inf, Year 26: $inf, Year 27: $inf, Year 28: $inf, Year 29: $inf, Year 30: $inf,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
11/09/2025	$320,000.00	$inf	$26.67	$inf
12/09/2025	$inf	$inf	$26.67	$inf
01/09/2026	$inf	$inf	$inf	$inf
02/09/2026	$inf	$inf	$inf	$inf
03/09/2026	$inf	$inf	$inf	$inf
04/09/2026	$inf	$inf	$inf	$inf
05/09/2026	$inf	$inf	$inf	$inf
06/09/2026	$inf	$inf	$inf	$inf
07/09/2026	$inf	$inf	$inf	$inf
08/09/2026	$inf	$inf	$inf	$inf
09/09/2026	$inf	$inf	$inf	$inf
10/09/2026	$inf	$inf	$inf	$inf
11/09/2026	$inf	$inf	$inf	$inf
12/09/2026	$inf	$inf	$inf	$inf
01/09/2027	$inf	$inf	$inf	$inf
02/09/2027	$inf	$inf	$inf	$inf
03/09/2027	$inf	$inf	$inf	$inf
04/09/2027	$inf	$inf	$inf	$inf
05/09/2027	$inf	$inf	$inf	$inf
06/09/2027	$inf	$inf	$inf	$inf
07/09/2027	$inf	$inf	$inf	$inf
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10/09/2027	$inf	$inf	$inf	$inf
11/09/2027	$inf	$inf	$inf	$inf
12/09/2027	$inf	$inf	$inf	$inf
01/09/2028	$inf	$inf	$inf	$inf
02/09/2028	$inf	$inf	$inf	$inf
03/09/2028	$inf	$inf	$inf	$inf
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01/09/2029	$inf	$inf	$inf	$inf
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01/09/2031	$inf	$inf	$inf	$inf
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01/09/2032	$inf	$inf	$inf	$inf
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01/09/2033	$inf	$inf	$inf	$inf
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01/09/2034	$inf	$inf	$inf	$inf
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01/09/2037	$inf	$inf	$inf	$inf
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11/09/2037	$inf	$inf	$inf	$inf
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01/09/2038	$inf	$inf	$inf	$inf
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01/09/2039	$inf	$inf	$inf	$inf
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01/09/2047	$inf	$inf	$inf	$inf
02/09/2047	$inf	$inf	$inf	$inf
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11/09/2047	$inf	$inf	$inf	$inf
12/09/2047	$inf	$inf	$inf	$inf
01/09/2048	$inf	$inf	$inf	$inf
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01/09/2050	$inf	$inf	$inf	$inf
02/09/2050	$inf	$inf	$inf	$inf
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10/09/2051	$inf	$inf	$inf	$inf
11/09/2051	$inf	$inf	$inf	$inf
12/09/2051	$inf	$inf	$inf	$inf
01/09/2052	$inf	$inf	$inf	$inf
02/09/2052	$inf	$inf	$inf	$inf
03/09/2052	$inf	$inf	$inf	$inf
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05/09/2052	$inf	$inf	$inf	$inf
06/09/2052	$inf	$inf	$inf	$inf
07/09/2052	$inf	$inf	$inf	$inf
08/09/2052	$inf	$inf	$inf	$inf
09/09/2052	$inf	$inf	$inf	$inf
10/09/2052	$inf	$inf	$inf	$inf
11/09/2052	$inf	$inf	$inf	$inf
12/09/2052	$inf	$inf	$inf	$inf
01/09/2053	$inf	$inf	$inf	$inf
02/09/2053	$inf	$inf	$inf	$inf
03/09/2053	$inf	$inf	$inf	$inf
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06/09/2053	$inf	$inf	$inf	$inf
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11/09/2053	$inf	$inf	$inf	$inf
12/09/2053	$inf	$inf	$inf	$inf
01/09/2054	$inf	$inf	$inf	$inf
02/09/2054	$inf	$inf	$inf	$inf
03/09/2054	$inf	$inf	$inf	$inf
04/09/2054	$inf	$inf	$inf	$inf
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06/09/2054	$inf	$inf	$inf	$inf
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08/09/2054	$inf	$inf	$inf	$inf
09/09/2054	$inf	$inf	$inf	$inf
10/09/2054	$inf	$inf	$inf	$inf
11/09/2054	$inf	$inf	$inf	$inf
12/09/2054	$inf	$inf	$inf	$inf
01/09/2055	$inf	$inf	$inf	$inf
02/09/2055	$inf	$inf	$inf	$inf
03/09/2055	$inf	$inf	$inf	$inf
04/09/2055	$inf	$inf	$inf	$inf
05/09/2055	$inf	$inf	$inf	$inf
06/09/2055	$inf	$inf	$inf	$inf
07/09/2055	$inf	$inf	$inf	$inf
08/09/2055	$inf	$inf	$inf	$inf
09/09/2055	$inf	$inf	$inf	$inf
10/09/2055	$inf	$inf	$inf	$inf
TOTAL:	-	$inf	$inf	$inf

Change options for different scenario in the form below:

Featured New York Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union Equal Housing Lender	Loans Amounts from $25,000 - $500,000.		Learn More
Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender. More Info
Interest-only payments during the 10-year draw period
Upstart	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. NMLS #2443873.
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.
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
Upstart	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.
Owning.com	Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi		Learn More
Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. More Info
Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613. 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 government 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.
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.

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