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With a Home Loan, Anything is Possible!

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Home Equity
Loan Features

Whether you're looking to complete a home improvement project, consolidate debt, or refinance your current home equity loan, a Peach State Home Equity Loan (also called a Second Mortgage) is the perfect solution.

  • Low Fixed Rates Low fixed rates mean consistent lower payments and no surprises.
  • No Penalty We encourage early payments and feature no prepayment penalties.
  • Tax Deductions This affordable loan solution may offer tax deductions. Be sure to consult with a tax advisor.
  • Flexible Solution The possibilities are endless! Use your home equity to fund your next adventure.
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Home Equity Loan Calculator

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Home Equity
Loan Calculator

Find your perfect payment! Explore your monthly payment options to see how affordable a Peach State Home Equity Loan can be. Don't forget to email yourself the results for reference!

Terms are available for 5, 10 or 15 years. Only loan amounts over $15,000 will be considered for terms exceeding five years. The minimum payment on a real estate loan is $100. Your actual term and payment will be provided upon acceptance of a Peach State FCU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Debt Consolidation is Possible
Calculate your potential monthly payment if you were to combine your outstanding debt into one manageable loan at a lower interest rate. Consider your potential savings!

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Low Home Equity Loan Rates
Use the rate table below to see what your rate could be at a term that works for you! When you're ready, start your application.

Home Equity
Loan Rates

You've loved your home. Now is the time to let it love you back. Take advantage of our low Home Equity Loan rates today!

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*Rates are subject to change based on market conditions. Subject to credit approval and recommended rates may vary based on individual creditworthiness. **Subject property must be your primary residence. Minimum representative credit score of 640 required. Maximum 80% combined loan to value on home equity loan with a 5, 10 or 15 year term. Minimum loan amount is $10,000 and the maximum loan amount is $150,000. Offer available in the states of Georgia and South Carolina. Terms may change at any time and some restrictions apply. Membership is required. Must be an existing member or eligible to become a member through our Field of Membership. A $50 loan application fee is charge for processing. Other closing fees apply and will be disclosed at the time of application. Closing costs range from $215 to $2,500. Fees vary depending on the property type, appraisal required and attorney fees. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #483559

Home Equity Loan Rates

Loan Term
APR* (as low as)
Max Loan to Value**
Loan Term
60 Months
APR* (as low as)
7.25%
Max Loan to Value**
80%
Loan Term
120 Months
APR* (as low as)
7.75%
Max Loan to Value**
80%
Loan Term
180 Months
APR* (as low as)
8.25%
Max Loan to Value**
80%
Effective November 13, 2024

*Rates are subject to change based on market conditions. Subject to credit approval and recommended rates may vary based on individual creditworthiness. **Subject property must be your primary residence. Minimum representative credit score of 640 required. Maximum 80% combined loan to value on home equity loan with a 5, 10 or 15 year term. Minimum loan amount is $10,000 and the maximum loan amount is $150,000. Offer available in the states of Georgia and South Carolina. Terms may change at any time and some restrictions apply. Membership is required. Must be an existing member or eligible to become a member through our Field of Membership. A $50 loan application fee is charge for processing. Other closing fees apply and will be disclosed at the time of application. Closing costs range from $215 to $2,500. Fees vary depending on the property type, appraisal required and attorney fees. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #483559

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ENDLESS OPTIONS

Our Home Equity Loan has you covered!

Take advantage of the equity you have built in your home. No matter what you have in mind, our affordable Home Equity Loan can help make it happen.

  • Home improvements
  • Debt consolidation
  • Education or medical expenses
  • Dream wedding or vacation
  • Anything you can imagine!
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Three Practical Budget Templates

3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Testimonial

Share Your Story
Anytime I need help with loans, Peach State makes the process easy and efficient.
 
- Lisa A.
 
Great benefits, rates and excellent member service.
 
- Corinne B.
 
Friendly atmosphere, I recommend Peach State to all the people I work with because of the great opportunities that you offer. Whether it's a loan or trying to buy a house, car ,or whatever you need.
 
- Jason M.
 

Frequently Asked Questions

These are a few of the commonly asked questions about Home Equity Loans.
For even more FAQs, check out our Member Knowledge Base.
Can you use a Home Equity Loan for debt consolidation?
Yes, home equity loans should be the first option you review. Learn why today!
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Who is able to become a member of Peach State FCU?
Peach State offers membership to the employees of our sponsor Boards of Education, and many Select Employee Groups (SEGs) and associations.
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Do I have to be a member to get a loan?
Yes, membership with Peach State is required to qualify for a loan with us. Discover how to become a member today.
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Member Knowledge Base