Rates

Does your home need a facelift? Sometimes a little update is all you need to get your house feeling like a home again.

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Current Home Equity Interest Rates

Your home equity loan interest rate doesn’t have to break your budget at Sioux Falls Federal Credit Union. Here’s what you can expect currently:

Home Equity - 5 Year Term

Credit Tier 1 2 3
<70% CLTV 4.50% 4.75% 5.25%
70-79.9% CLTV 4.75% 5.00% 5.50%
80-89.9% CLTV 5.00% 5.25% 5.75%

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Home Equity - 7 Year Term

 
Credit Tier 1 2 3
<70% CLTV 5.00% 5.25% 5.75%
70-79.9% CLTV 5.50% 5.75% 6.25%
80-89.9% CLTV 5.75% 6.00% 6.50%

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Home Equity - 10 Year Term

 
Credit Tier 1 2 3
<70% CLTV 5.25% 5.50% 6.00%
70-79.9% CLTV 5.50% 5.75% 6.25%
80-89.9% CLTV 5.75% 6.00% 6.50%

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Home Equity - 6 Year Balloon***

Credit Tier 1 2 3
up to 90% CLTV 5.75% 6.00% 6.50%

***15-year (180) term with a 6-year balloon.

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HELOC (Variable)

Credit Tier 1 2 3
up to 80% CLTV 4.50% 4.50% 4.75%
81-90% CLTV 4.50% 4.50% 5.00%

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*APR - Annual Percentage Rate.  Your loan interest APR will be determined by your credit score. The numbered tiers shown represent credit score ranges as follows: 1= 720+, 2= 680-719, 3= 679 or lower. The specific rate will be set at the time of loan application review.  Variable rates are subject to change at the end of each calendar quarter and shall not exceed 18.00% APR.