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

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

Product Total Termlength: 20 Years
Interest Rate: 7.5%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $2,612.27, Year 2: $2,646.64, Year 3: $2,681.01, Year 4: $2,715.39, Year 5: $2,749.76, Year 6: $2,784.13, Year 7: $2,818.50, Year 8: $2,852.87, Year 9: $2,887.25, Year 10: $2,921.62, Year 11: $2,955.99, Year 12: $2,990.36, Year 13: $3,024.73, Year 14: $3,059.11, Year 15: $3,093.48, Year 16: $3,127.85, Year 17: $3,162.22, Year 18: $3,196.59, Year 19: $3,230.97, Year 20: $3,265.34,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
07/04/2025	$320,000.00	$2,612.27	$2,026.67	$585.60
08/04/2025	$319,414.40	$2,612.27	$2,026.67	$585.60
09/04/2025	$318,825.08	$2,612.27	$2,022.96	$589.31
10/04/2025	$318,232.04	$2,612.27	$2,019.23	$593.04
11/04/2025	$317,635.24	$2,612.27	$2,015.47	$596.80
12/04/2025	$317,034.66	$2,612.27	$2,011.69	$600.58
01/04/2026	$316,430.27	$2,612.27	$2,007.89	$604.38
02/04/2026	$315,822.06	$2,612.27	$2,004.06	$608.21
03/04/2026	$315,210.00	$2,612.27	$2,000.21	$612.06
04/04/2026	$314,594.06	$2,612.27	$1,996.33	$615.94
05/04/2026	$313,974.22	$2,612.27	$1,992.43	$619.84
06/04/2026	$313,350.45	$2,612.27	$1,988.50	$623.77
07/04/2026	$312,714.47	$2,646.64	$2,010.67	$635.98
08/04/2026	$312,074.42	$2,646.64	$2,006.58	$640.06
09/04/2026	$311,430.25	$2,646.64	$2,002.48	$644.16
10/04/2026	$310,781.95	$2,646.64	$1,998.34	$648.30
11/04/2026	$310,129.50	$2,646.64	$1,994.18	$652.46
12/04/2026	$309,472.85	$2,646.64	$1,990.00	$656.64
01/04/2027	$308,811.99	$2,646.64	$1,985.78	$660.86
02/04/2027	$308,146.89	$2,646.64	$1,981.54	$665.10
03/04/2027	$307,477.53	$2,646.64	$1,977.28	$669.37
04/04/2027	$306,803.87	$2,646.64	$1,972.98	$673.66
05/04/2027	$306,125.88	$2,646.64	$1,968.66	$677.98
06/04/2027	$305,443.55	$2,646.64	$1,964.31	$682.33
07/04/2027	$304,747.92	$2,681.01	$1,985.38	$695.63
08/04/2027	$304,047.76	$2,681.01	$1,980.86	$700.15
09/04/2027	$303,343.06	$2,681.01	$1,976.31	$704.70
10/04/2027	$302,633.78	$2,681.01	$1,971.73	$709.28
11/04/2027	$301,919.88	$2,681.01	$1,967.12	$713.89
12/04/2027	$301,201.35	$2,681.01	$1,962.48	$718.53
01/04/2028	$300,478.14	$2,681.01	$1,957.81	$723.21
02/04/2028	$299,750.24	$2,681.01	$1,953.11	$727.91
03/04/2028	$299,017.60	$2,681.01	$1,948.38	$732.64
04/04/2028	$298,280.20	$2,681.01	$1,943.61	$737.40
05/04/2028	$297,538.01	$2,681.01	$1,938.82	$742.19
06/04/2028	$296,790.99	$2,681.01	$1,934.00	$747.02
07/04/2028	$296,029.48	$2,715.39	$1,953.87	$761.51
08/04/2028	$295,262.95	$2,715.39	$1,948.86	$766.53
09/04/2028	$294,491.38	$2,715.39	$1,943.81	$771.57
10/04/2028	$293,714.73	$2,715.39	$1,938.73	$776.65
11/04/2028	$292,932.96	$2,715.39	$1,933.62	$781.76
12/04/2028	$292,146.05	$2,715.39	$1,928.48	$786.91
01/04/2029	$291,353.96	$2,715.39	$1,923.29	$792.09
02/04/2029	$290,556.66	$2,715.39	$1,918.08	$797.31
03/04/2029	$289,754.10	$2,715.39	$1,912.83	$802.55
04/04/2029	$288,946.26	$2,715.39	$1,907.55	$807.84
05/04/2029	$288,133.11	$2,715.39	$1,902.23	$813.16
06/04/2029	$287,314.60	$2,715.39	$1,896.88	$818.51
07/04/2029	$286,480.27	$2,749.76	$1,915.43	$834.33
08/04/2029	$285,640.38	$2,749.76	$1,909.87	$839.89
09/04/2029	$284,794.89	$2,749.76	$1,904.27	$845.49
10/04/2029	$283,943.76	$2,749.76	$1,898.63	$851.13
11/04/2029	$283,086.96	$2,749.76	$1,892.96	$856.80
12/04/2029	$282,224.45	$2,749.76	$1,887.25	$862.51
01/04/2030	$281,356.19	$2,749.76	$1,881.50	$868.26
02/04/2030	$280,482.14	$2,749.76	$1,875.71	$874.05
03/04/2030	$279,602.26	$2,749.76	$1,869.88	$879.88
04/04/2030	$278,716.52	$2,749.76	$1,864.02	$885.74
05/04/2030	$277,824.87	$2,749.76	$1,858.11	$891.65
06/04/2030	$276,927.28	$2,749.76	$1,852.17	$897.59
07/04/2030	$276,012.41	$2,784.13	$1,869.26	$914.87
08/04/2030	$275,091.36	$2,784.13	$1,863.08	$921.05
09/04/2030	$274,164.10	$2,784.13	$1,856.87	$927.26
10/04/2030	$273,230.58	$2,784.13	$1,850.61	$933.52
11/04/2030	$272,290.75	$2,784.13	$1,844.31	$939.82
12/04/2030	$271,344.59	$2,784.13	$1,837.96	$946.17
01/04/2031	$270,392.03	$2,784.13	$1,831.58	$952.55
02/04/2031	$269,433.05	$2,784.13	$1,825.15	$958.98
03/04/2031	$268,467.59	$2,784.13	$1,818.67	$965.46
04/04/2031	$267,495.62	$2,784.13	$1,812.16	$971.97
05/04/2031	$266,517.08	$2,784.13	$1,805.60	$978.53
06/04/2031	$265,531.94	$2,784.13	$1,798.99	$985.14
07/04/2031	$264,527.91	$2,818.50	$1,814.47	$1,004.03
08/04/2031	$263,517.02	$2,818.50	$1,807.61	$1,010.89
09/04/2031	$262,499.21	$2,818.50	$1,800.70	$1,017.80
10/04/2031	$261,474.46	$2,818.50	$1,793.74	$1,024.76
11/04/2031	$260,442.70	$2,818.50	$1,786.74	$1,031.76
12/04/2031	$259,403.88	$2,818.50	$1,779.69	$1,038.81
01/04/2032	$258,357.98	$2,818.50	$1,772.59	$1,045.91
02/04/2032	$257,304.92	$2,818.50	$1,765.45	$1,053.06
03/04/2032	$256,244.67	$2,818.50	$1,758.25	$1,060.25
04/04/2032	$255,177.17	$2,818.50	$1,751.01	$1,067.50
05/04/2032	$254,102.38	$2,818.50	$1,743.71	$1,074.79
06/04/2032	$253,020.24	$2,818.50	$1,736.37	$1,082.14
07/04/2032	$251,917.43	$2,852.87	$1,750.06	$1,102.82
08/04/2032	$250,806.98	$2,852.87	$1,742.43	$1,110.45
09/04/2032	$249,688.86	$2,852.87	$1,734.75	$1,118.13
10/04/2032	$248,563.00	$2,852.87	$1,727.01	$1,125.86
11/04/2032	$247,429.35	$2,852.87	$1,719.23	$1,133.65
12/04/2032	$246,287.86	$2,852.87	$1,711.39	$1,141.49
01/04/2033	$245,138.48	$2,852.87	$1,703.49	$1,149.38
02/04/2033	$243,981.15	$2,852.87	$1,695.54	$1,157.33
03/04/2033	$242,815.81	$2,852.87	$1,687.54	$1,165.34
04/04/2033	$241,642.41	$2,852.87	$1,679.48	$1,173.40
05/04/2033	$240,460.90	$2,852.87	$1,671.36	$1,181.51
06/04/2033	$239,271.21	$2,852.87	$1,663.19	$1,189.69
07/04/2033	$238,058.86	$2,887.25	$1,674.90	$1,212.35
08/04/2033	$236,838.03	$2,887.25	$1,666.41	$1,220.83
09/04/2033	$235,608.65	$2,887.25	$1,657.87	$1,229.38
10/04/2033	$234,370.66	$2,887.25	$1,649.26	$1,237.99
11/04/2033	$233,124.01	$2,887.25	$1,640.59	$1,246.65
12/04/2033	$231,868.63	$2,887.25	$1,631.87	$1,255.38
01/04/2034	$230,604.47	$2,887.25	$1,623.08	$1,264.17
02/04/2034	$229,331.45	$2,887.25	$1,614.23	$1,273.01
03/04/2034	$228,049.53	$2,887.25	$1,605.32	$1,281.93
04/04/2034	$226,758.63	$2,887.25	$1,596.35	$1,290.90
05/04/2034	$225,458.69	$2,887.25	$1,587.31	$1,299.94
06/04/2034	$224,149.66	$2,887.25	$1,578.21	$1,309.04
07/04/2034	$222,815.77	$2,921.62	$1,587.73	$1,333.89
08/04/2034	$221,472.43	$2,921.62	$1,578.28	$1,343.34
09/04/2034	$220,119.57	$2,921.62	$1,568.76	$1,352.85
10/04/2034	$218,757.14	$2,921.62	$1,559.18	$1,362.44
11/04/2034	$217,385.05	$2,921.62	$1,549.53	$1,372.09
12/04/2034	$216,003.24	$2,921.62	$1,539.81	$1,381.81
01/04/2035	$214,611.64	$2,921.62	$1,530.02	$1,391.60
02/04/2035	$213,210.19	$2,921.62	$1,520.17	$1,401.45
03/04/2035	$211,798.81	$2,921.62	$1,510.24	$1,411.38
04/04/2035	$210,377.44	$2,921.62	$1,500.24	$1,421.38
05/04/2035	$208,945.99	$2,921.62	$1,490.17	$1,431.44
06/04/2035	$207,504.41	$2,921.62	$1,480.03	$1,441.58
07/04/2035	$206,035.53	$2,955.99	$1,487.11	$1,468.88
08/04/2035	$204,556.13	$2,955.99	$1,476.59	$1,479.40
09/04/2035	$203,066.13	$2,955.99	$1,465.99	$1,490.00
10/04/2035	$201,565.44	$2,955.99	$1,455.31	$1,500.68
11/04/2035	$200,054.01	$2,955.99	$1,444.55	$1,511.44
12/04/2035	$198,531.74	$2,955.99	$1,433.72	$1,522.27
01/04/2036	$196,998.56	$2,955.99	$1,422.81	$1,533.18
02/04/2036	$195,454.39	$2,955.99	$1,411.82	$1,544.17
03/04/2036	$193,899.16	$2,955.99	$1,400.76	$1,555.23
04/04/2036	$192,332.78	$2,955.99	$1,389.61	$1,566.38
05/04/2036	$190,755.17	$2,955.99	$1,378.38	$1,577.61
06/04/2036	$189,166.26	$2,955.99	$1,367.08	$1,588.91
07/04/2036	$187,547.36	$2,990.36	$1,371.46	$1,618.91
08/04/2036	$185,916.71	$2,990.36	$1,359.72	$1,630.64
09/04/2036	$184,274.25	$2,990.36	$1,347.90	$1,642.47
10/04/2036	$182,619.87	$2,990.36	$1,335.99	$1,654.37
11/04/2036	$180,953.50	$2,990.36	$1,323.99	$1,666.37
12/04/2036	$179,275.06	$2,990.36	$1,311.91	$1,678.45
01/04/2037	$177,584.44	$2,990.36	$1,299.74	$1,690.62
02/04/2037	$175,881.56	$2,990.36	$1,287.49	$1,702.87
03/04/2037	$174,166.34	$2,990.36	$1,275.14	$1,715.22
04/04/2037	$172,438.69	$2,990.36	$1,262.71	$1,727.66
05/04/2037	$170,698.50	$2,990.36	$1,250.18	$1,740.18
06/04/2037	$168,945.71	$2,990.36	$1,237.56	$1,752.80
07/04/2037	$167,159.91	$3,024.73	$1,238.94	$1,785.80
08/04/2037	$165,361.01	$3,024.73	$1,225.84	$1,798.89
09/04/2037	$163,548.93	$3,024.73	$1,212.65	$1,812.09
10/04/2037	$161,723.55	$3,024.73	$1,199.36	$1,825.38
11/04/2037	$159,884.79	$3,024.73	$1,185.97	$1,838.76
12/04/2037	$158,032.55	$3,024.73	$1,172.49	$1,852.25
01/04/2038	$156,166.72	$3,024.73	$1,158.91	$1,865.83
02/04/2038	$154,287.21	$3,024.73	$1,145.22	$1,879.51
03/04/2038	$152,393.91	$3,024.73	$1,131.44	$1,893.29
04/04/2038	$150,486.73	$3,024.73	$1,117.56	$1,907.18
05/04/2038	$148,565.57	$3,024.73	$1,103.57	$1,921.16
06/04/2038	$146,630.32	$3,024.73	$1,089.48	$1,935.25
07/04/2038	$144,658.72	$3,059.11	$1,087.51	$1,971.60
08/04/2038	$142,672.50	$3,059.11	$1,072.89	$1,986.22
09/04/2038	$140,671.55	$3,059.11	$1,058.15	$2,000.95
10/04/2038	$138,655.75	$3,059.11	$1,043.31	$2,015.79
11/04/2038	$136,625.01	$3,059.11	$1,028.36	$2,030.74
12/04/2038	$134,579.21	$3,059.11	$1,013.30	$2,045.80
01/04/2039	$132,518.23	$3,059.11	$998.13	$2,060.98
02/04/2039	$130,441.97	$3,059.11	$982.84	$2,076.26
03/04/2039	$128,350.31	$3,059.11	$967.44	$2,091.66
04/04/2039	$126,243.13	$3,059.11	$951.93	$2,107.17
05/04/2039	$124,120.33	$3,059.11	$936.30	$2,122.80
06/04/2039	$121,981.78	$3,059.11	$920.56	$2,138.55
07/04/2039	$119,803.17	$3,093.48	$914.86	$2,178.61
08/04/2039	$117,608.21	$3,093.48	$898.52	$2,194.95
09/04/2039	$115,396.80	$3,093.48	$882.06	$2,211.42
10/04/2039	$113,168.80	$3,093.48	$865.48	$2,228.00
11/04/2039	$110,924.08	$3,093.48	$848.77	$2,244.71
12/04/2039	$108,662.54	$3,093.48	$831.93	$2,261.55
01/04/2040	$106,384.03	$3,093.48	$814.97	$2,278.51
02/04/2040	$104,088.43	$3,093.48	$797.88	$2,295.60
03/04/2040	$101,775.62	$3,093.48	$780.66	$2,312.81
04/04/2040	$99,445.46	$3,093.48	$763.32	$2,330.16
05/04/2040	$97,097.82	$3,093.48	$745.84	$2,347.64
06/04/2040	$94,732.57	$3,093.48	$728.23	$2,365.24
07/04/2040	$92,323.11	$3,127.85	$718.39	$2,409.46
08/04/2040	$89,895.38	$3,127.85	$700.12	$2,427.73
09/04/2040	$87,449.24	$3,127.85	$681.71	$2,446.14
10/04/2040	$84,984.54	$3,127.85	$663.16	$2,464.69
11/04/2040	$82,501.16	$3,127.85	$644.47	$2,483.38
12/04/2040	$79,998.94	$3,127.85	$625.63	$2,502.22
01/04/2041	$77,477.75	$3,127.85	$606.66	$2,521.19
02/04/2041	$74,937.44	$3,127.85	$587.54	$2,540.31
03/04/2041	$72,377.87	$3,127.85	$568.28	$2,559.57
04/04/2041	$69,798.88	$3,127.85	$548.87	$2,578.98
05/04/2041	$67,200.34	$3,127.85	$529.31	$2,598.54
06/04/2041	$64,582.10	$3,127.85	$509.60	$2,618.25
07/04/2041	$61,915.00	$3,162.22	$495.13	$2,667.09
08/04/2041	$59,227.46	$3,162.22	$474.68	$2,687.54
09/04/2041	$56,519.32	$3,162.22	$454.08	$2,708.14
10/04/2041	$53,790.41	$3,162.22	$433.31	$2,728.91
11/04/2041	$51,040.58	$3,162.22	$412.39	$2,749.83
12/04/2041	$48,269.67	$3,162.22	$391.31	$2,770.91
01/04/2042	$45,477.52	$3,162.22	$370.07	$2,792.15
02/04/2042	$42,663.96	$3,162.22	$348.66	$2,813.56
03/04/2042	$39,828.83	$3,162.22	$327.09	$2,835.13
04/04/2042	$36,971.96	$3,162.22	$305.35	$2,856.87
05/04/2042	$34,093.19	$3,162.22	$283.45	$2,878.77
06/04/2042	$31,192.35	$3,162.22	$261.38	$2,900.84
07/04/2042	$28,237.49	$3,196.59	$241.74	$2,954.85
08/04/2042	$25,259.74	$3,196.59	$218.84	$2,977.75
09/04/2042	$22,258.91	$3,196.59	$195.76	$3,000.83
10/04/2042	$19,234.82	$3,196.59	$172.51	$3,024.09
11/04/2042	$16,187.30	$3,196.59	$149.07	$3,047.52
12/04/2042	$13,116.16	$3,196.59	$125.45	$3,071.14
01/04/2043	$10,021.21	$3,196.59	$101.65	$3,094.94
02/04/2043	$6,902.28	$3,196.59	$77.66	$3,118.93
03/04/2043	$3,759.18	$3,196.59	$53.49	$3,143.10
04/04/2043	$591.72	$3,196.59	$29.13	$3,167.46
05/04/2043	$-2,600.29	$3,196.59	$4.59	$3,192.01
06/04/2043	$-5,817.03	$3,196.59	$-20.15	$3,216.75
07/04/2043	$-9,093.56	$3,230.97	$-45.57	$3,276.53
08/04/2043	$-12,395.76	$3,230.97	$-71.23	$3,302.20
09/04/2043	$-15,723.83	$3,230.97	$-97.10	$3,328.07
10/04/2043	$-19,077.96	$3,230.97	$-123.17	$3,354.14
11/04/2043	$-22,458.37	$3,230.97	$-149.44	$3,380.41
12/04/2043	$-25,865.26	$3,230.97	$-175.92	$3,406.89
01/04/2044	$-29,298.84	$3,230.97	$-202.61	$3,433.58
02/04/2044	$-32,759.31	$3,230.97	$-229.51	$3,460.47
03/04/2044	$-36,246.89	$3,230.97	$-256.61	$3,487.58
04/04/2044	$-39,761.79	$3,230.97	$-283.93	$3,514.90
05/04/2044	$-43,304.23	$3,230.97	$-311.47	$3,542.43
06/04/2044	$-46,874.41	$3,230.97	$-339.22	$3,570.18
07/04/2044	$-50,510.84	$3,265.34	$-371.09	$3,636.43
08/04/2044	$-54,176.05	$3,265.34	$-399.88	$3,665.22
09/04/2044	$-57,870.28	$3,265.34	$-428.89	$3,694.23
10/04/2044	$-61,593.76	$3,265.34	$-458.14	$3,723.48
11/04/2044	$-65,346.72	$3,265.34	$-487.62	$3,752.96
12/04/2044	$-69,129.38	$3,265.34	$-517.33	$3,782.67
01/04/2045	$-72,941.99	$3,265.34	$-547.27	$3,812.61
02/04/2045	$-76,784.79	$3,265.34	$-577.46	$3,842.80
03/04/2045	$-80,658.01	$3,265.34	$-607.88	$3,873.22
04/04/2045	$-84,561.89	$3,265.34	$-638.54	$3,903.88
05/04/2045	$-88,496.67	$3,265.34	$-669.45	$3,934.79
06/04/2045	$-92,462.61	$3,265.34	$-700.60	$3,965.94
TOTAL:	-	$705,312.95	$292,264.74	$413,048.21

Change options for different scenario in the form below:

Featured New York Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Third Federal Savings and Loan Equal Housing Lender	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More
Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
Figure Home Equity	Intro APR 7.150 % After Intro: 7.150 %	$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 6.70% - 14.65%*, 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.
Upstart	As low as 6.77% APR on your initial draw*		Learn More
As low as 6.77% APR on your initial draw* Get your money up to 6x 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 of 6 days or less and a funding timeline of 10 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.
Eastern Bank Equal Housing Lender	Intro APR 7.250 % After Intro: 7.250 %	$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 (7.50% APR on 7/1/2025) 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.
Four Leaf Federal Credit Union	Intro APR 6.490 % After Intro: 7.750 % 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.
Point Digital Finance	Get up to $500k with no monthly payments, ever.		Learn More
Use your funds your way No income verification - ideal for self-employment or retirement planning Enjoy maximum flexibility - 30 year term, no prepayment penalties Home Equity Investments are not considered a loan in all states More Info
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
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
PenFed Credit Union Equal Housing Lender	Home Equity Line of Credit - Equal Housing Lender		Learn More
Home Equity Line of Credit - Equal Housing Lender 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 More Info
Interest-only payments during the 10-year draw period
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 Union Savings Bank - Amortization Schedule Calculator

Home Equity product from Union Savings Bank

Featured New York Home Equity Rates 2025

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