Home Equity & Home Improvement

Low, fixed rates

Borrow for up to 30 years

Work on your house. And let your house work for you.

Home equity loans are like a reward. Because you've worked hard to pay down your mortgage and build up your home's value, you get to borrow at a great rate.


little girl smiling in inner tube

Home Sweet Home.

Get your home ready for the warmer ready with a home equity or home improvement loan! Low interest rates, minimal fees and generous repayment schedules make these loans an affordable way to borrow money. With a traditional home equity loan, you can spend the money on anything you want. Put in a pool, build an outdoor kitchen, or take that dream vacation. With an improvement loan, the money goes towards upgrading your living space. Either way, you can thank your home sweet home for making it all possible.

Home Equity

Use the money for anything you can imagine - a daughter's wedding, a son's education, a family vacation. Or you can consolidate debt or wipe out big medical bills.
  • Funds can be used for any purpose
  • Low, fixed rate
  • Repayment terms of up to 30 years
  • Borrow up to 80% of home's fair market value, minus any outstanding liens*
  • No pre-payment penalties
  • Applications processed quickly
Apply Now!

Home Improvement

Invest in your house to boost its market value. Get funds to create your dream kitchen, add a bedroom or put a new roof over your head.
  • Money may be used only for home improvements
  • Low, fixed rate
  • Repayment terms of up to 20 years
  • Borrow up to $300,000*
  • No pre-payment penalties
  • Interest may be tax-deductible (please consult your tax advisor)
  • Make automatic payments from Education First accounts
 Apply Now!

*The maximum may vary based on a borrower's creditworthiness and other financial qualifications.