Fixed-Rate Home Equity Loans
Open the Door to Your Home's Equity
Open the Door to Your Home's Equity
Put the equity you've earned to use with a fixed-rate equity loan. You could qualify for an APR as low as 6.640%!2
What's a Fixed-Rate Equity Loan?
A fixed-rate equity loan is a lump sum amount that you draw from your equity. You'll pay it back at a fixed interest rate for the life of the loan with monthly payments, so you'll know exactly what to expect. It's a great option if you need money for a one-time expense!
Additional fixed-rate equity loan rates and terms are available. Call us at 1-888-842-6328.
Common Uses of Fixed-Rate Equity Loans
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Home Improvements and Repairs
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Debt Consolidation
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Large Purchases
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Life Events
Home Equity Loan Features
- Personal guidance from first call to closing
- No application or origination fee2
- Navy Federal servicing for the life of your loan

Home Equity Resources
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How to Apply for a Home Equity Loan or Line of Credit (HELOC)
Review our step-by-step guide to help you through the home equity loan process.
Learn Moreabout How to Apply for a Home Equity Loan or Line of Credit (HELOC) -
What Is Home Equity?
Learn about home equity and how you can use it.
Learn Moreabout What Is Home Equity? -
Registered Mortgage Loan Originators
See our list of licensed Mortgage Loan Originators.
Learn Moreabout Registered Mortgage Loan Originators
Disclosures
Some restrictions may apply. The maximum CLTV for primary and second home properties is 100%. Factors that may impact the amount of equity that can be borrowed include evaluation of credit history, CLTV ratio, occupancy, loan amount, and loan term (5, 10, 15, 20 years).
↵Rates are as low as 6.640% APR and are based on an evaluation of credit history, CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may differ. For loan amounts of up to $250,000, closing costs that members must pay typically range between $300 and $2,000. The closing costs depend on the location of the property, property type, and the amount of the Equity loan. Rates are subject to change—information provided does not constitute a loan commitment.
A sample Fixed-Rate Equity Loan monthly payment based on $100,000 at 7.650% APR for 20 years is $814.79. Taxes and insurance not included; therefore, the actual payment obligation will be greater.
Fixed-Rate Equity Loans are available for primary residences and second homes. Primary residences are owner-occupied, principal residences only. Second home properties must be owner-occupied at some point during the year.
All loans for amounts less than $25,000 require a 1.00% increase in APR.
Second home loans require a 1.00% increase in APR and may be subject to other restrictions.
You must carry homeowners insurance on the property that secures this plan.
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