Home Equity Loans

Loans to make your house a home.


Create Your Backyard Retreat, Finance Major Purchases, Consolidate Debt

A Discovery home equity loan or line of credit is a smart choice to finance home improvements, consolidate debt, pay tuition or medical expenses. You can borrow against the equity you’ve built in your home at a competitive rate. And with flexible loan payment options, you can manage your loan in a way that works for you.


Fixed Rate Home Equity Loans

Rates as low as 2.75% APR*
  • No Application Fees
  • Can be used for one or multiple projects or purposes
  • Lump sum disbursement of funds
  • Up to 20 years to repay the loan


APPLY ONLINE NOW    Book an Appointment


Home Equity Line of Credit

0.99% APR** for the first six months, 3.50% APR** thereafter
  • No Application Fees
  • 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


APPLY ONLINE NOW    Book an Appointment


View Current Rates

Check out our loan calculator to estimate your monthly loan payments.

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“The loan officers are helpful, kind and a pleasure to work with.”


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Use the home equity you’ve created to finance important expenses or to turn your dreams into realities.

*Home Equity Fixed Rate Loan: Not all members will qualify for advertised rate. APRs are based on credit worthiness, 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 3.14% and 5 year term at 2.75% is $178.58.

**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. Introductory rate of 0.99% APR will be in effect for six (6) billing cycles from 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 10/01/2020 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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