Home Equity Loans

It's the perfect time to take care of any project or purchase.


Fixed Rate Home Equity Loans

Rates as low as 2.25% APR*
  • Can be used for one or multiple projects or purposes
  • Lump-sum disbursement of funds
  • Up to 20 years to repay the loan

 Call us at 610.372.8010

Home Equity Line of Credit (HELOC)

0.99% APR** for the first six months, 3.50% APR** thereafter
  • Have funds available as you need them
  • Your credit limit is based on the equity you have in your home
  • Your credit line replenishes as you pay down the loan balance

Call us at 610.372.8010

What are you waiting for? It’s Now or Never.

Call us at 610.372.8010.

Live Your Dreams with a Home Equity Loan.

Now is the perfect opportunity to take care of all those projects or purchases you’ve been putting on hold. Take your dream vacation, complete home improvements, or consolidate debt with Discovery FCU’s affordable home equity financing. Just think of what you could do if you tapped into your home’s equity.


  • Build a deck, porch, or pool
  • Add a family room, game room, or man cave
  • Buy a car, boat, camper, or RV
  • Take a dream vacation


  • Install new windows, a roof, or siding
  • Remodel the kitchen, bath, or primary bedroom
  • Pay for college
  • Consolidate expensive debt
discovery fcu loans


“I love Discovery FCU. Absolute favorite.”

It’s the Perfect Time to Apply!

No Application Fees – savings up to $309.00.
Plus, get a $100.00 Visa Gift Card!

Discovery FCU will pay up to $309.00 in application and processing fees including appraisal, flood determination, property search, mortgage documentation, and recording fees. And, as our special way of saying thank you for trusting your home equity loan financing needs with Discovery, we’ll give you a $100.00 Visa Gift Card when you finance $10,000 or more in new money with a fixed-rate home equity loan or home equity line of credit. (HELOC) HELOC must have a minimum initial draw of $10,000 at the time of loan opening.

*Home Equity Fixed Rate Loan: Not all members will qualify for the advertised rate. APRs are based on creditworthiness, term of loan, loan-to-value, direct deposit & automatic payments to/from a Discovery FCU account. Other restrictions apply. A sample Fixed Rate Home Equity Loan payment based on $10,000, 85% LTV at and 5-year term at 2.25% is $176.37.

**Advertised Home Equity Line of Credit APR applies to a minimum advance of $10,000, a loan-to-value ratio of 80% for a primary residence located in PA. An introductory rate of 0.99% APR will be in effect for six (6) billing cycles from the credit line open date. After the discount rate expires, the line is subject to a Variable Rate which is based on the highest Prime Rate published in the Money Rates Section of the Wall Street Journal in effect on the expiration of any Introductory Rate Period, and subsequently, on the last day of each month (“Index”) plus 0% (“Margin”). The Index plus the Margin equals the Interest Rate. Your rate will never be lower than 3.50% APR. As of 09/01/2021, the Prime Rate was 3.25% APR. Property insurance is required. PA residences only. All lines are subject to approval and collateral evaluation. Fees and charges may apply.

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