Lock in a lower rate today!
3.95%
6-month introductory rate on all line limits1. No closing costs or annual fee.
7.25%
After 6 months on $50,000+
5.95%
5-year fixed rate loan with automatic payment2
Fall Into Flexibility
Student Loan Refinance, Personal Loans, & more great rates are also available
A home equity line of credit or loan from The Summit puts your home’s equity to work for you
Make home improvements
Take your dream vacation
Refinance high interest loans
Consolidate debit
Pay for college or a major purchase
Cover unplanned expenses
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THE SUMMIT IS AN EQUAL HOUSING LENDER. Membership eligibility required. Subject to change without notice.
- As of 9/1/25, the as low as APR was 7.25% available for line limits over $50,000, 7.50% for line limits between $15,000 and $50,000, and 7.75% for line limits of $15,000 or less. The introductory APR during the first 6 months after the open date is not based on the index and margin used to make later adjustments. After the introductory rate expires, account subject to a variable rate based on the highest Prime Rate as published in the Wall Street Journal’s Money Rates Section. As of 9/1/25, fully-indexed APR was 7.25%, based on a Prime Rate of 7.50% minus 0.25% on line limits over $50,000. Thereafter, variable rate subject to change based on the highest Prime Rate and a margin of minus 0.25% to plus 0.25% depending on line limit. Maximum 18% APR. Loans subject to credit approval. Certain limitations may apply. For what is covered in closing costs (when applicable), please visit summitfcu.org/MyEquity. Closing costs estimated to range from $495 to $1,500 (usually 3.0% to 5.0% of the amount borrowed). Property insurance required. If you opt not to pay the closing costs associated with your home equity line of credit (HELOC), you must reimburse us for all costs we paid to third parties to open your HELOC unless you keep account open for at least 3 years from the HELOC open date.
- Rate shown in effect 9/1/25 through 10/31/25. Home Equity Fixed Loan (HELOAN) is a Fixed Personal Loan with a term of 5 years at 5.95% Annual Percentage Rate (APR) with no closing costs. For example, a HELOAN of $10,000 for 5 years at 5.95% APR will have a monthly payment of $193.10. Loans subject to credit approval. Certain limitations may apply. For what is covered in closing costs (when applicable), please visit summitfcu.org/MyEquity. Closing costs are usually estimated to range from $495 to $1,500 (usually 3.0% to 5.0% of the amount borrowed). Property insurance required. If you opt not to pay the closing costs associated with your HELOAN, you must reimburse us for all costs we paid to third parties to open your HELOAN unless you keep account open for at least 3 years from the HELOAN open date.