Low Rate Home Equity Loans

Live your dreams and reap the savings!

Call Us at 610.372.8010

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, 4.00% 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’ve had two car loans at Discovery FCU and the loan officers are fantastic!! They make everything easy, quick, and efficient.”

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.

discovery fcu loans


“Discovery is a great financial institution.”

View Current Rates

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

Not a Member? You must be eligible for membership in the credit union to process your loan application. Discovery FCU is a community credit union serving all of Berks County, PA. If you live, work, worship, or attend school in Berks County, you’re eligible to become a member. Learn More.

APR = Annual Percentage Rate. *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 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. 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 06/01/2022 the Prime Rate was 4.00% APR. Property insurance is required. PA residences only. All lines are subject to approval and collateral evaluation. Fees and charges may apply. ***Discovery FCU will pay up to $309.00 in processing fees including appraisal, flood determination, property search, mortgage documentation preparation and recording fees.

Borrow up to $350,000 for both fixed rate home equity loans and HELOCs. Fixed Home Equity rates range from 2.25% to 13.49% APR and loan repayment periods range from 0 to 20 years. Home equity line of credit Interest Rate cannot change by more than two percentage points (2.00%) during the first calendar year the Account is open (from Account opening through December 31), and will never change by more than two percentage points (2.00%) during any calendar year thereafter. The Interest Rate will never be less than: 3.50% (for owner occupied plans); or 4.75% (for non-owner occupied plans); nor in all cases greater than 18.00%. Home equity lines of credit include a 5 year draw period and repayment periods range from 0 to 10 years.

****To be eligible to receive a $100.00 Gift Card, you must be a Discovery FCU member in good standing and finance $10,000 or more in new money with a fixed rate home equity loan or home equity line of credit. HELOC – minimum initial draw of $10,000 is required at time of loan opening. Limited time offer.

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