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Rates

Big needs? Turn equity into dollars with a loan or line of credit that keeps you rate competitive, and your payment doable.

Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions

Are you a member of Hershey Federal Credit Union?

If you are not a member, please continue to the application. If you are a member, please log in to online banking to apply.

  • Competitive rates for short-term or one-time needs:
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And more
  • The existing equity in your home is used as collateral backing
    • Up to 85% loan to value
    • Loan amounts from $5,000-$250,000
  • Accommodating repayment terms
    • Terms of up to 15 years
  • The interest paid might be tax deductible2
  • No application fees; no annual fees; no points
  • Debt protection available
  • Local decision-making and processing in South Central Pennsylvania
  • Attentive, friendly service from start to finish
  • Low variable-rate home equity line of credit (HELOC)1
    • Low variable rate indexed to Prime
  • Use for ongoing or seasonal needs:
    • Education expenses
    • Major life events
    • Major home improvements
    • Debt consolidation
    • Emergency reserve
    • And much more
  • The existing equity in your home is used as collateral backing
    • Up to 80% loan to value
    • Loan amounts from $5,000-$250,000
  • Revolving credit – as principal is repaid, more becomes available for use
    • Draw period of 5-10 years
  • Accommodating repayment terms
    • Low monthly payment of 1.25% of outstanding balance
  • The interest paid may be tax deductible2
  • No application fees; no annual fees; no points
  • Debt protection available
  • Local decision-making and processing in South Central Pennsylvania
  • Attentive, friendly service from start to finish 

For More Information

View our HELOC Important Terms (PDF) and informative HELOC Booklet (PDF).

Are you a member of Hershey Federal Credit Union?

If you are not a member, please continue to the application. If you are a member, please log in to online banking to apply.

1All rates are annual percentage rate (A.P.R.) and are the best rates available. See rates. Actual rates are based on credit worthiness of applicants. All loans are subject to approval.

2Consult your tax advisor.