Home Equity Loans
Your home is more than a place to live—it’s an opportunity. With a Public Service Credit Union Home Equity Loan, you can tap into your home’s value to fund what matters most—home renovations, debt consolidation, education, or unexpected expenses. Enjoy competitive rates, flexible terms, and a simple application process so you can borrow with confidence.
Turn Your Home Into Possibility
Unlock the value in your home and make your next big move with confidence.
Fixed-Rate Home Equity Loan
Access up to 90% of your home's appraised value in a lump sum at a fixed rate, perfect for home improvements, debt consolidation, or major expenses. Enjoy lower interest rates and flexible terms designed to fit your needs. No application fees, and loan amounts range from $10,000 to $250,000.
Empower your financial flexibility with a Public Service Credit Union HELOC. Borrow as needed, up to 90% of your home's appraised value, with a revolving line of credit. Ideal for ongoing projects or unexpected expenses, our HELOC offers competitive rates and long-term access to funds. No application fees, and credit lines range from $10,000 to $250,000.
Home Equity Line of Credit
All loans are subject to credit approval. Qualification is based on standard underwriting criteria including credit history, income verification, and ability to repay. Rates, terms, and conditions may vary based on creditworthiness and are subject to change at any time.
Manage Your Money Anytime, Anywhere
Our accounts come with features like Early Pay, giving you access to your money up to three days sooner*, plus Mobile Deposit and Bill Pay for seamless financial management. Stay in control of your balances and bills wherever you are with Online Banking or our Mobile Banking App.
*Early Pay is a free service for all Public Service Credit Union members with direct deposit. ACH payroll can be posted up to 3 business days early, but not guaranteed. The payroll sender determines when they send the payroll files, PSCU has no control on how early payroll will come in.
