Using your house as collateral, a home equity loan through Lebanon Federal Credit Union gives you the perfect solution to borrow for a variety of different reasons.
- Home improvements
- Debt consolidation
- College expenses
- or just about anything you can imagine.
Plus, you can even use a home equity loan to refinance your mortgage or existing home equity loans from another financial institution.

LFCU offers two great Home Equity Loan products
Gives you a great rate and an affordable monthly payment.
Borrow up to 80% of your home´s equity*
Up to 20-year terms
Low fixed rates
Borrow up to 90% of your home’s equity*
Up to 20-year terms
Low fixed Rates
*Credit restrictions may apply. Loans are subject to credit verification and approval, and verification of income. Homeowners Insurance is required. Additional conditions and restrictions may apply. Rates are subject to change without notice.
There is no application fee from the credit union, no pre-payment penalty, and the interest that you pay may be tax deductible!
With our Home Equity Line of Credit you’ll have the flexibility to take advances over the life of the loan whenever you need them.
Borrow for home improvements, bill consolidation, college expenses, and more!
Borrow up to 90% of your home´s equity
Up to 20-year terms
We won’t charge you any interest unless you carry a balance
There is no application fee from the credit union, no pre-payment penalty, and the interest that you pay may be tax deductible!
LTV -Loan to Value based off NADA for Auto Loans and Appraisal for Real Estate secured.
Rates and information are subject to change at any time. *APR = Annual Percentage Rate. Home Equity Line of Credit (HELOC) promotional rate of 1.99% APR* is available on all new money advanced for a 6 month period of time from the date of the loan closing. Up to 90% LTV, 1st or 2nd lien position. Loan payment(s) begins upon initial advance. Monthly payment may vary and is based upon the outstanding principal balance as of the time of the last advance X 1.50% (e.g. $20,000 balance would result in a $300 minimum monthly payment). The promotional annual percentage rate will automatically terminate at the end of the promotional period. No notice to borrower required. Minimum credit line amount $10,000. Minimum initial advance $1,000; minimum subsequent advances $100. Interest rate is variable. Following the promotional period, the interest rate will be equal to the prime rate or prime rate plus 1% as published in the last issue of the Wall Street Journal on the last business day of the preceding month. The maximum APR* is 18% or the maximum Annual Percentage Rate allowed by applicable law, whichever is less. Minimum APR* is 3.00%. Minimum payments may result in a balloon payment at the end of the loan term. Other restrictions or conditions may apply. LFCU NMLS #: 408899
Questions?
If you have any questions, please contact us during normal business hours.
Email: loans@lebanonfcu.org
Phone: (717) 272-2210 | Option 3