Home Equity Line of Credit product from PeoplesBank - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from PeoplesBank. 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 PeoplesBank

Product Total Termlength: 20 Years
Interest Rate: 6.75%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $2,469.21, Year 2: $2,505.26, Year 3: $2,541.31, Year 4: $2,577.35, Year 5: $2,613.40, Year 6: $2,649.45, Year 7: $2,685.49, Year 8: $2,721.54, Year 9: $2,757.59, Year 10: $2,793.63, Year 11: $2,829.68, Year 12: $2,865.73, Year 13: $2,901.77, Year 14: $2,937.82, Year 15: $2,973.87, Year 16: $3,009.92, Year 17: $3,045.96, Year 18: $3,082.01, Year 19: $3,118.06, Year 20: $3,154.10,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
12/04/2025	$320,000.00	$2,469.21	$1,826.67	$642.55
01/04/2026	$319,357.45	$2,469.21	$1,826.67	$642.55
02/04/2026	$318,711.24	$2,469.21	$1,823.00	$646.21
03/04/2026	$318,061.34	$2,469.21	$1,819.31	$649.90
04/04/2026	$317,407.73	$2,469.21	$1,815.60	$653.61
05/04/2026	$316,750.39	$2,469.21	$1,811.87	$657.34
06/04/2026	$316,089.29	$2,469.21	$1,808.12	$661.09
07/04/2026	$315,424.42	$2,469.21	$1,804.34	$664.87
08/04/2026	$314,755.76	$2,469.21	$1,800.55	$668.66
09/04/2026	$314,083.28	$2,469.21	$1,796.73	$672.48
10/04/2026	$313,406.96	$2,469.21	$1,792.89	$676.32
11/04/2026	$312,726.78	$2,469.21	$1,789.03	$680.18
12/04/2026	$312,032.73	$2,505.26	$1,811.21	$694.05
01/04/2027	$311,334.66	$2,505.26	$1,807.19	$698.07
02/04/2027	$310,632.55	$2,505.26	$1,803.15	$702.11
03/04/2027	$309,926.37	$2,505.26	$1,799.08	$706.18
04/04/2027	$309,216.10	$2,505.26	$1,794.99	$710.27
05/04/2027	$308,501.72	$2,505.26	$1,790.88	$714.38
06/04/2027	$307,783.20	$2,505.26	$1,786.74	$718.52
07/04/2027	$307,060.52	$2,505.26	$1,782.58	$722.68
08/04/2027	$306,333.65	$2,505.26	$1,778.39	$726.87
09/04/2027	$305,602.58	$2,505.26	$1,774.18	$731.08
10/04/2027	$304,867.26	$2,505.26	$1,769.95	$735.31
11/04/2027	$304,127.70	$2,505.26	$1,765.69	$739.57
12/04/2027	$303,373.14	$2,541.31	$1,786.75	$754.56
01/04/2028	$302,614.15	$2,541.31	$1,782.32	$758.99
02/04/2028	$301,850.71	$2,541.31	$1,777.86	$763.45
03/04/2028	$301,082.77	$2,541.31	$1,773.37	$767.93
04/04/2028	$300,310.33	$2,541.31	$1,768.86	$772.44
05/04/2028	$299,533.35	$2,541.31	$1,764.32	$776.98
06/04/2028	$298,751.80	$2,541.31	$1,759.76	$781.55
07/04/2028	$297,965.66	$2,541.31	$1,755.17	$786.14
08/04/2028	$297,174.90	$2,541.31	$1,750.55	$790.76
09/04/2028	$296,379.50	$2,541.31	$1,745.90	$795.40
10/04/2028	$295,579.42	$2,541.31	$1,741.23	$800.08
11/04/2028	$294,774.65	$2,541.31	$1,736.53	$804.78
12/04/2028	$293,953.66	$2,577.35	$1,756.37	$820.99
01/04/2029	$293,127.78	$2,577.35	$1,751.47	$825.88
02/04/2029	$292,296.98	$2,577.35	$1,746.55	$830.80
03/04/2029	$291,461.23	$2,577.35	$1,741.60	$835.75
04/04/2029	$290,620.50	$2,577.35	$1,736.62	$840.73
05/04/2029	$289,774.77	$2,577.35	$1,731.61	$845.74
06/04/2029	$288,923.99	$2,577.35	$1,726.57	$850.78
07/04/2029	$288,068.14	$2,577.35	$1,721.51	$855.85
08/04/2029	$287,207.19	$2,577.35	$1,716.41	$860.95
09/04/2029	$286,341.12	$2,577.35	$1,711.28	$866.08
10/04/2029	$285,469.88	$2,577.35	$1,706.12	$871.24
11/04/2029	$284,593.45	$2,577.35	$1,700.92	$876.43
12/04/2029	$283,699.47	$2,613.40	$1,719.42	$893.98
01/04/2030	$282,800.09	$2,613.40	$1,714.02	$899.38
02/04/2030	$281,895.28	$2,613.40	$1,708.58	$904.82
03/04/2030	$280,984.99	$2,613.40	$1,703.12	$910.28
04/04/2030	$280,069.21	$2,613.40	$1,697.62	$915.78
05/04/2030	$279,147.90	$2,613.40	$1,692.08	$921.31
06/04/2030	$278,221.02	$2,613.40	$1,686.52	$926.88
07/04/2030	$277,288.54	$2,613.40	$1,680.92	$932.48
08/04/2030	$276,350.42	$2,613.40	$1,675.28	$938.11
09/04/2030	$275,406.64	$2,613.40	$1,669.62	$943.78
10/04/2030	$274,457.16	$2,613.40	$1,663.92	$949.48
11/04/2030	$273,501.94	$2,613.40	$1,658.18	$955.22
12/04/2030	$272,527.69	$2,649.45	$1,675.20	$974.25
01/04/2031	$271,547.48	$2,649.45	$1,669.23	$980.21
02/04/2031	$270,561.26	$2,649.45	$1,663.23	$986.22
03/04/2031	$269,569.00	$2,649.45	$1,657.19	$992.26
04/04/2031	$268,570.66	$2,649.45	$1,651.11	$998.34
05/04/2031	$267,566.21	$2,649.45	$1,645.00	$1,004.45
06/04/2031	$266,555.61	$2,649.45	$1,638.84	$1,010.60
07/04/2031	$265,538.82	$2,649.45	$1,632.65	$1,016.79
08/04/2031	$264,515.80	$2,649.45	$1,626.43	$1,023.02
09/04/2031	$263,486.51	$2,649.45	$1,620.16	$1,029.29
10/04/2031	$262,450.92	$2,649.45	$1,613.85	$1,035.59
11/04/2031	$261,408.98	$2,649.45	$1,607.51	$1,041.93
12/04/2031	$260,346.40	$2,685.49	$1,622.91	$1,062.58
01/04/2032	$259,277.23	$2,685.49	$1,616.32	$1,069.18
02/04/2032	$258,201.41	$2,685.49	$1,609.68	$1,075.81
03/04/2032	$257,118.92	$2,685.49	$1,603.00	$1,082.49
04/04/2032	$256,029.71	$2,685.49	$1,596.28	$1,089.21
05/04/2032	$254,933.73	$2,685.49	$1,589.52	$1,095.98
06/04/2032	$253,830.95	$2,685.49	$1,582.71	$1,102.78
07/04/2032	$252,721.33	$2,685.49	$1,575.87	$1,109.63
08/04/2032	$251,604.81	$2,685.49	$1,568.98	$1,116.51
09/04/2032	$250,481.37	$2,685.49	$1,562.05	$1,123.45
10/04/2032	$249,350.95	$2,685.49	$1,555.07	$1,130.42
11/04/2032	$248,213.51	$2,685.49	$1,548.05	$1,137.44
12/04/2032	$247,053.64	$2,721.54	$1,561.68	$1,159.86
01/04/2033	$245,886.48	$2,721.54	$1,554.38	$1,167.16
02/04/2033	$244,711.98	$2,721.54	$1,547.04	$1,174.50
03/04/2033	$243,530.08	$2,721.54	$1,539.65	$1,181.89
04/04/2033	$242,340.75	$2,721.54	$1,532.21	$1,189.33
05/04/2033	$241,143.94	$2,721.54	$1,524.73	$1,196.81
06/04/2033	$239,939.60	$2,721.54	$1,517.20	$1,204.34
07/04/2033	$238,727.68	$2,721.54	$1,509.62	$1,211.92
08/04/2033	$237,508.13	$2,721.54	$1,501.99	$1,219.54
09/04/2033	$236,280.92	$2,721.54	$1,494.32	$1,227.22
10/04/2033	$235,045.98	$2,721.54	$1,486.60	$1,234.94
11/04/2033	$233,803.27	$2,721.54	$1,478.83	$1,242.71
12/04/2033	$232,536.18	$2,757.59	$1,490.50	$1,267.09
01/04/2034	$231,261.01	$2,757.59	$1,482.42	$1,275.17
02/04/2034	$229,977.71	$2,757.59	$1,474.29	$1,283.30
03/04/2034	$228,686.23	$2,757.59	$1,466.11	$1,291.48
04/04/2034	$227,386.52	$2,757.59	$1,457.87	$1,299.71
05/04/2034	$226,078.52	$2,757.59	$1,449.59	$1,308.00
06/04/2034	$224,762.19	$2,757.59	$1,441.25	$1,316.34
07/04/2034	$223,437.46	$2,757.59	$1,432.86	$1,324.73
08/04/2034	$222,104.29	$2,757.59	$1,424.41	$1,333.17
09/04/2034	$220,762.61	$2,757.59	$1,415.91	$1,341.67
10/04/2034	$219,412.39	$2,757.59	$1,407.36	$1,350.23
11/04/2034	$218,053.56	$2,757.59	$1,398.75	$1,358.83
12/04/2034	$216,668.18	$2,793.63	$1,408.26	$1,385.37
01/04/2035	$215,273.87	$2,793.63	$1,399.32	$1,394.32
02/04/2035	$213,870.54	$2,793.63	$1,390.31	$1,403.32
03/04/2035	$212,458.16	$2,793.63	$1,381.25	$1,412.39
04/04/2035	$211,036.65	$2,793.63	$1,372.13	$1,421.51
05/04/2035	$209,605.96	$2,793.63	$1,362.95	$1,430.69
06/04/2035	$208,166.03	$2,793.63	$1,353.71	$1,439.93
07/04/2035	$206,716.80	$2,793.63	$1,344.41	$1,449.23
08/04/2035	$205,258.22	$2,793.63	$1,335.05	$1,458.59
09/04/2035	$203,790.21	$2,793.63	$1,325.63	$1,468.01
10/04/2035	$202,312.72	$2,793.63	$1,316.15	$1,477.49
11/04/2035	$200,825.69	$2,793.63	$1,306.60	$1,487.03
12/04/2035	$199,309.74	$2,829.68	$1,313.73	$1,515.95
01/04/2036	$197,783.88	$2,829.68	$1,303.82	$1,525.86
02/04/2036	$196,248.04	$2,829.68	$1,293.84	$1,535.84
03/04/2036	$194,702.14	$2,829.68	$1,283.79	$1,545.89
04/04/2036	$193,146.14	$2,829.68	$1,273.68	$1,556.00
05/04/2036	$191,579.96	$2,829.68	$1,263.50	$1,566.18
06/04/2036	$190,003.53	$2,829.68	$1,253.25	$1,576.43
07/04/2036	$188,416.79	$2,829.68	$1,242.94	$1,586.74
08/04/2036	$186,819.67	$2,829.68	$1,232.56	$1,597.12
09/04/2036	$185,212.10	$2,829.68	$1,222.11	$1,607.57
10/04/2036	$183,594.01	$2,829.68	$1,211.60	$1,618.08
11/04/2036	$181,965.34	$2,829.68	$1,201.01	$1,628.67
12/04/2036	$180,305.14	$2,865.73	$1,205.52	$1,660.21
01/04/2037	$178,633.93	$2,865.73	$1,194.52	$1,671.21
02/04/2037	$176,951.65	$2,865.73	$1,183.45	$1,682.28
03/04/2037	$175,258.23	$2,865.73	$1,172.30	$1,693.42
04/04/2037	$173,553.59	$2,865.73	$1,161.09	$1,704.64
05/04/2037	$171,837.65	$2,865.73	$1,149.79	$1,715.93
06/04/2037	$170,110.35	$2,865.73	$1,138.42	$1,727.30
07/04/2037	$168,371.60	$2,865.73	$1,126.98	$1,738.75
08/04/2037	$166,621.34	$2,865.73	$1,115.46	$1,750.27
09/04/2037	$164,859.48	$2,865.73	$1,103.87	$1,761.86
10/04/2037	$163,085.94	$2,865.73	$1,092.19	$1,773.53
11/04/2037	$161,300.66	$2,865.73	$1,080.44	$1,785.28
12/04/2037	$159,480.95	$2,901.77	$1,082.06	$1,819.72
01/04/2038	$157,649.02	$2,901.77	$1,069.85	$1,831.92
02/04/2038	$155,804.81	$2,901.77	$1,057.56	$1,844.21
03/04/2038	$153,948.23	$2,901.77	$1,045.19	$1,856.58
04/04/2038	$152,079.19	$2,901.77	$1,032.74	$1,869.04
05/04/2038	$150,197.61	$2,901.77	$1,020.20	$1,881.58
06/04/2038	$148,303.41	$2,901.77	$1,007.58	$1,894.20
07/04/2038	$146,396.51	$2,901.77	$994.87	$1,906.91
08/04/2038	$144,476.81	$2,901.77	$982.08	$1,919.70
09/04/2038	$142,544.23	$2,901.77	$969.20	$1,932.58
10/04/2038	$140,598.69	$2,901.77	$956.23	$1,945.54
11/04/2038	$138,640.10	$2,901.77	$943.18	$1,958.59
12/04/2038	$136,643.88	$2,937.82	$941.60	$1,996.22
01/04/2039	$134,634.10	$2,937.82	$928.04	$2,009.78
02/04/2039	$132,610.67	$2,937.82	$914.39	$2,023.43
03/04/2039	$130,573.49	$2,937.82	$900.65	$2,037.17
04/04/2039	$128,522.48	$2,937.82	$886.81	$2,051.01
05/04/2039	$126,457.54	$2,937.82	$872.88	$2,064.94
06/04/2039	$124,378.58	$2,937.82	$858.86	$2,078.96
07/04/2039	$122,285.50	$2,937.82	$844.74	$2,093.08
08/04/2039	$120,178.20	$2,937.82	$830.52	$2,107.30
09/04/2039	$118,056.59	$2,937.82	$816.21	$2,121.61
10/04/2039	$115,920.57	$2,937.82	$801.80	$2,136.02
11/04/2039	$113,770.04	$2,937.82	$787.29	$2,150.53
12/04/2039	$111,578.34	$2,973.87	$782.17	$2,191.70
01/04/2040	$109,371.57	$2,973.87	$767.10	$2,206.77
02/04/2040	$107,149.63	$2,973.87	$751.93	$2,221.94
03/04/2040	$104,912.42	$2,973.87	$736.65	$2,237.21
04/04/2040	$102,659.82	$2,973.87	$721.27	$2,252.60
05/04/2040	$100,391.74	$2,973.87	$705.79	$2,268.08
06/04/2040	$98,108.07	$2,973.87	$690.19	$2,283.67
07/04/2040	$95,808.69	$2,973.87	$674.49	$2,299.38
08/04/2040	$93,493.51	$2,973.87	$658.68	$2,315.18
09/04/2040	$91,162.41	$2,973.87	$642.77	$2,331.10
10/04/2040	$88,815.28	$2,973.87	$626.74	$2,347.13
11/04/2040	$86,452.02	$2,973.87	$610.61	$2,363.26
12/04/2040	$84,043.67	$3,009.92	$601.56	$2,408.35
01/04/2041	$81,618.55	$3,009.92	$584.80	$2,425.11
02/04/2041	$79,176.57	$3,009.92	$567.93	$2,441.99
03/04/2041	$76,717.59	$3,009.92	$550.94	$2,458.98
04/04/2041	$74,241.50	$3,009.92	$533.83	$2,476.09
05/04/2041	$71,748.18	$3,009.92	$516.60	$2,493.32
06/04/2041	$69,237.52	$3,009.92	$499.25	$2,510.67
07/04/2041	$66,709.38	$3,009.92	$481.78	$2,528.14
08/04/2041	$64,163.65	$3,009.92	$464.19	$2,545.73
09/04/2041	$61,600.21	$3,009.92	$446.47	$2,563.44
10/04/2041	$59,018.93	$3,009.92	$428.63	$2,581.28
11/04/2041	$56,419.69	$3,009.92	$410.67	$2,599.24
12/04/2041	$53,771.01	$3,045.96	$397.29	$2,648.67
01/04/2042	$51,103.69	$3,045.96	$378.64	$2,667.32
02/04/2042	$48,417.58	$3,045.96	$359.86	$2,686.11
03/04/2042	$45,712.56	$3,045.96	$340.94	$2,705.02
04/04/2042	$42,988.49	$3,045.96	$321.89	$2,724.07
05/04/2042	$40,245.24	$3,045.96	$302.71	$2,743.25
06/04/2042	$37,482.67	$3,045.96	$283.39	$2,762.57
07/04/2042	$34,700.65	$3,045.96	$263.94	$2,782.02
08/04/2042	$31,899.04	$3,045.96	$244.35	$2,801.61
09/04/2042	$29,077.70	$3,045.96	$224.62	$2,821.34
10/04/2042	$26,236.49	$3,045.96	$204.76	$2,841.21
11/04/2042	$23,375.28	$3,045.96	$184.75	$2,861.21
12/04/2042	$20,459.82	$3,082.01	$166.55	$2,915.46
01/04/2043	$17,523.59	$3,082.01	$145.78	$2,936.23
02/04/2043	$14,566.43	$3,082.01	$124.86	$2,957.15
03/04/2043	$11,588.21	$3,082.01	$103.79	$2,978.22
04/04/2043	$8,588.77	$3,082.01	$82.57	$2,999.44
05/04/2043	$5,567.95	$3,082.01	$61.19	$3,020.81
06/04/2043	$2,525.62	$3,082.01	$39.67	$3,042.34
07/04/2043	$-538.40	$3,082.01	$18.00	$3,064.01
08/04/2043	$-3,624.24	$3,082.01	$-3.84	$3,085.84
09/04/2043	$-6,732.07	$3,082.01	$-25.82	$3,107.83
10/04/2043	$-9,862.05	$3,082.01	$-47.97	$3,129.97
11/04/2043	$-13,014.32	$3,082.01	$-70.27	$3,152.28
12/04/2043	$-16,226.19	$3,118.06	$-93.81	$3,211.87
01/04/2044	$-19,461.21	$3,118.06	$-116.96	$3,235.02
02/04/2044	$-22,719.55	$3,118.06	$-140.28	$3,258.34
03/04/2044	$-26,001.38	$3,118.06	$-163.77	$3,281.83
04/04/2044	$-29,306.86	$3,118.06	$-187.43	$3,305.48
05/04/2044	$-32,636.17	$3,118.06	$-211.25	$3,329.31
06/04/2044	$-35,989.48	$3,118.06	$-235.25	$3,353.31
07/04/2044	$-39,366.96	$3,118.06	$-259.42	$3,377.48
08/04/2044	$-42,768.78	$3,118.06	$-283.77	$3,401.83
09/04/2044	$-46,195.13	$3,118.06	$-308.29	$3,426.35
10/04/2044	$-49,646.17	$3,118.06	$-332.99	$3,451.05
11/04/2044	$-53,122.10	$3,118.06	$-357.87	$3,475.92
12/04/2044	$-56,663.55	$3,154.10	$-387.35	$3,541.45
01/04/2045	$-60,230.82	$3,154.10	$-413.17	$3,567.27
02/04/2045	$-63,824.11	$3,154.10	$-439.18	$3,593.29
03/04/2045	$-67,443.59	$3,154.10	$-465.38	$3,619.49
04/04/2045	$-71,089.47	$3,154.10	$-491.78	$3,645.88
05/04/2045	$-74,761.94	$3,154.10	$-518.36	$3,672.46
06/04/2045	$-78,461.18	$3,154.10	$-545.14	$3,699.24
07/04/2045	$-82,187.39	$3,154.10	$-572.11	$3,726.22
08/04/2045	$-85,940.78	$3,154.10	$-599.28	$3,753.39
09/04/2045	$-89,721.53	$3,154.10	$-626.65	$3,780.75
10/04/2045	$-93,529.85	$3,154.10	$-654.22	$3,808.32
11/04/2045	$-97,365.95	$3,154.10	$-681.99	$3,836.09
TOTAL:	-	$674,797.71	$256,789.22	$418,008.49

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
Eastern Bank Equal Housing Lender	Intro APR 6.750 % After Intro: 6.750 %	$25,000	Learn More
Simple online applications means you can apply anywhere. Ability to convert your variable rate into as many as five fixed-rate loans. More Info
The Annual Percentage Rate (APR) is variable and based on the Prime Rate (Prime) published in the Wall Street Journal (7.00% APR on 12/1/2025) minus 0.25% APR adjusted after each billing cycle. To qualify for the lowest rate, a minimum draw of $25,000 is required at closing with automatic payments from an Eastern Checking Account. Minimum APR is 3.99%. Maximum APR is 18%. Minimum line amount is $10,000 and maximum line amount is $2,000,000. Must be for first or second lien, secured by your 1-4 family primary or secondary residence located in MA, NH, RI and CT. Investment properties are not eligible to be used to secure the line. Combined loan to value limits apply. Property insurance is required. Flood insurance may be required. Subject to credit application and approval. Rates are subject to change without notice. Appraisal fees range from $490 for single family homes to $610 for multifamily properties but could be higher. Title Search is paid by Eastern Bank as is Title Insurance unless the amount borrowed is greater than $750,000 then customer may incur a title Insurance fee, the fee varies by loan amount and state (CT, MA, NH & RI). Certain fees could apply depending on your situation. Customer is responsible for trust and power of attorney review ($100 each), recording fees for power of attorney and for properties held in trust ($105- $123). A list of fees is available upon request. A $350 early cancellation fee applies if the line is closed or rewritten within the first 24 months. Subject to a $50 annual participation fee.
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.
Reliant Home Funding, Inc	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More
Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed More Info
Available APRs range from 6.60% - 14.15*, 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 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. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company.
Valley Strong Credit Union Equal Housing Lender	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More
Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years More Info
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 closing assumes closing the loan with our remote online notary. Closing timelines will 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.
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.
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.
CrossCountry Mortgage, LLC	Unlock Your Home's Potential		Learn More
Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans More Info
Please note that the interest rates offered are subject to change based on market conditions and borrower eligibility. The pricing and rate provided are accurate as of the specified date. It is important to be aware that the minimum loan amount for any loan program is $50,000. The specific amount and terms of the credit offer will be determined based on underwriting approval and guidelines, which include factors such as your credit history, your ability to make payments, and the available equity in your home. To qualify for this offer, you must meet the required criteria and demonstrate creditworthiness. Additionally, providing up to two years of income verification may be necessary. The severity of your credit may also impact the required down payment. It is crucial to understand that the lender reserves the right to cancel this offer if the provided information cannot be verified. Please note that all bankruptcies must be discharged in order to be eligible. This offer is nontransferable and is specifically available for single-family residences or owner-occupied condominiums. Please be aware that mobile homes and cooperatives are not included in this offer. It is important to note that the lender must hold a valid first lien position, and property hazard insurance is a requirement. These are some key details to consider when evaluating this offer. It is essential to thoroughly review the terms and conditions and seek clarification from the lender regarding any specific questions or concerns you may have before proceeding with the application process.
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	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
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 PeoplesBank - Amortization Schedule Calculator

Home Equity product from PeoplesBank

Featured New York Home Equity Rates 2025

Home Equity and Mortgage Rate Newsletter

Download a Free eBook