HOME EQUITY LOAN
Limited-time special offer: Get 1% off our current rates. Save thousands on interest, spend the funds how you choose.
use your home to reach your goals
KEY BENEFITS
Affordable financing
Lower fees
Predictable payments
Flexible borrowing
Limited-time special offer
Get 1% off our standard Home Equity Loan rates — lock in as low as 6.49% APR when you apply by April 17.
Move your goals forward. Start that home improvement project, consolidate your debt, or borrow money for a major expense.
You could save thousands on interest compared to personal loans and credit cards that often charge two to three times as much.
Why choose a Home Equity Loan from OSCU?
A Home Equity Loan gives you affordable financing for planned or unexpected expenses.
Lower costs
- Get fixed rates lower than many other types of credit
- Save thousands with lower fees and interest payments
- Possible tax advantages* as your interest paid may be deductible
* Consult your tax advisor.
Predictable payments
- Receive your loan in a lump sum
- Enjoy steady monthly payments with 10- or 15-year terms
Borrow more
- Borrow up to $400,000, depending on your home’s equity
- Access up to 90% of available equity (qualifications apply)
Flexible spending
Use funds for any purpose — home projects, debt consolidation, tuition, travel, medical bills, and more.
Reach your goals and save with special offer rates
Apply by April 17 and enjoy rates as low as 6.49% APR.
Home Equity Loan details
| Loan Type | APR (Low)** | APR (High) |
|---|---|---|
| Primary residence or second/vacation home special offer rates 1/22 – 4/17/26 | ||
| 10 Years (120 Months) | 6.49% | 7.49% |
| 15 Years (180 Months) | 6.99% | 7.99% |
| Investment properties special offer rates 1/22 – 4/17/26 | ||
| 10 Years (120 Months) | 7.49% | 7.49% |
| 15 Years (180 Months) | 7.99% | 7.99% |
**Promotional rates for new home equity loan applications submitted between 1/22/2026 and 4/17/2026. Offer only available for new residential and investment home equity loan applications. HELOCs and existing loans are excluded. Loans must close within 45 days following the end of the promotional period. Member merits do not apply. Rates are as low as 6.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed-rate equity loan monthly payment based on $100,000 at 6.49% APR for 10 years is $1,135.03. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans subject to approval. Offer is subject to change or cancellation without notice. | ||
Home Equity Loan rates
Primary residence or second/vacation home special offer rates 1/22 – 4/17/26
10 Years (120 Months)
15 Years (180 Months)
Investment properties special offer rates 1/22 – 4/17/26
10 Years (120 Months)
15 Years (180 Months)
**Promotional rates for new home equity loan applications submitted between 1/22/2026 and 4/17/2026. Offer only available for new residential and investment home equity loan applications. HELOCs and existing loans are excluded. Loans must close within 45 days following the end of the promotional period. Member merits do not apply. Rates are as low as 6.49% APR and are based on credit qualifications, term of loan, and loan amount. A sample fixed-rate equity loan monthly payment based on $100,000 at 6.49% APR for 10 years is $1,135.03. Taxes and insurance are not included; therefore, the actual payment obligation will be greater. All loans subject to approval. Offer is subject to change or cancellation without notice.
| Details | Home Equity Loan | Credit Card | Personal loan |
|---|---|---|---|
| Loan amount | $50,000 | $50,000 | $50,000 |
| Term (Months) | 120 | 120 | 120 |
| APR% | 6.49% | 21.00%*** | 12.00%*** |
| Monthly payments | $567.52 | $999.64 | $717.39 |
| Average monthly interest | $150.84 | $582.97 | $300.72 |
| Total interest | $18,100.83 | $69,955.97 | $36,086.06 |
***Average interest rates for personal loans and credit cards are based on the national average. These examples are hypothetical and are for illustrative purposes only. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters. | |||
Home Equity Loan Comparison Chart
Loan amount
Term (Months)
APR%
Monthly payments
Average monthly interest
Total interest
***Average interest rates for personal loans and credit cards are based on the national average. These examples are hypothetical and are for illustrative purposes only. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters.
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