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Home Equity Loans (HEL)

You've worked hard for your home. Now your home can work hard for you.
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Competitive Rates

Use the equity you’ve built in your home to fund major expenses. Did we mention our Home Equity Loans come with fixed rates so you can budget without surprises?


Turning Houses into Homes

Upgrade Your Home

Want the kitchen or bathroom you fell in love with on HGTV? Design it with a Home Equity Loan.

Flexible Repayment Terms

Choose a repayment term that works with your budget.

Easy Payments

Easy-to-budget monthly payments, also available with auto deduction from one of our checking accounts.

You’ve Got Options

Loan ProductTermInterest RateAPR1Monthly Payment2
Fixed Rate HEL - First Lien60 months7.00%7.05%$19.80
Fixed Rate HEL - First Lien120 months7.25%7.28%$11.74
Fixed Rate HEL - First Lien180 months7.50%7.52%$9.27
Fixed Rate HEL - Subordinate Lien60 months8.75%8.80%$20.64
Fixed Rate HEL - Subordinate Lien120 months9.25%9.28%$12.80
Fixed Rate HEL - Subordinate Lien180 months9.50%9.52%$10.44

1 APR = Annual Percentage Rate is accurate as of 7/9/2024 with auto payment from a FKCB checking account. Subject to change without notice.

2 Payment shown is per $1,000 borrowed.

Loan to value ratio must not exceed 80%. Minimum loan is $10,000 to maximum loan amount of $150,000. Homeowner’s Insurance is required on all Home Equity Loans.

Subject to credit approval. Property insurance required.

Additional Lending Options That Have You Covered


Home Equity Loans. Dream-fulfilling loans built just for you.

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