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A Home Equity loan is an excellent way for homeowners to finance large projects, purchases and expenses, with up to 100% financing!
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Current rates as of
Up to 100%
1,2
Up to 90%
1,2
Up to 80%
1,2

Up to 100% Home Equity Loan

800-868-4262
  • Rates as low as APR1,2
  • Finance up to 100% of the equity in your home for as low as APR1,2
  • No prepayment penalties
  • One low fixed payment, great for consolidating debt
  • Interest paid may be tax deductible. Consult your tax advisor.

Still not sure if you want to apply? Learn More

A Home Equity loan is an excellent way for homeowners to finance large projects, purchases and expenses, with up to 100% financing! Consolidate debt, renovate your home, make large purchases, and more!

Home equity is created in two ways: first, by making monthly payments toward your mortgage and second, through the value of your home as it appreciates. Equity is the difference between the market value of your home and any outstanding mortgage loan balance(s). Through this equity you may qualify for a Home Equity Loan.

Current rates as of
Up to 100%
1,2
Up to 90%
1,2
Up to 80%
1,2

1 - APR = Annual Percentage Rate. The APR for a Coastal Federal Credit Union Home Equity Loan is fixed and is based on Coastal Federal Credit Union's Qualified Loan Program and include the Relationship Pricing discount. Rates provided are based on loan amounts of $25,000 or greater. For rates on loan amounts below $25,000, please stop by your local branch or call our 24-hour call center at 800-868-4262. Your rate may vary and is determined by your credit qualifications, amount financed, collateral, loan terms and combined loan-to-value. The minimum APR for a Home Equity loan is 4.30% with relationship pricing. The maximum APR for a Home Equity loan is 15%. A payment example of a Home Equity Loan: As of July 1, 2017, an amount financed of $50,000 at a term of 180 months at 80% combined loan-to-value with an APR of 5.30% would result in 180 equal monthly payments of $404.20.

2 - Rates are subject to change daily. Lending area located in North Carolina, Virginia, and South Carolina. Coastal membership must be established prior to scheduled closing. No refinances of purchase money seconds within 12 months of the closing date. Property insurance is required. Flood Insurance may be required. The minimum loan amount for a Home Equity Line of Credit or Home Equity Loan is $5,000. All lending services are subject to credit approval. Contact a Coastal representative for specific rates and terms. Home values determined by appraisals. Certain restrictions may apply. To qualify for Relationship Pricing the borrower must agree to have their monthly payments automatically drafted from their qualified Coastal checking account. Quoted APR’s include the payment of third-party closing costs, which range from $10 to $2,000 depending on the loan amount. To learn about what closing costs may apply to you, please stop by your local branch or call our 24-hour call center at 800-868-4262.