Home Equity Loan rates as low as

5.25% APR*

for 5- or 7-year terms

 

Got high-interest debt weighing you down? It’s time to put your home’s equity to work—with rates that work for you, not against you.

Use Your Home’s Equity to:

  • Consolidate debt and save big on interest
  • Tackle home improvements
  • Pay for major expenses without the high credit card rates

 

PLUS,

  • No Closing Costs: Enjoy the benefits of no closing costs, title search fees, or appraisal fees.
  • Low, Fixed Rates: With predictable monthly payments, you can relax knowing your payment will never change.
  • Flexible Terms: Choose the perfect term that fits your financial goals, from 5 to 15 years.
  • No Prepayment Penalty: Pay off your loan early with no extra fees.

 

Other Special Rates As Low As:

  • 5.75% APR for 10 Year Term
  • 6.00% APR for 15 Year Term

 

Your home has equity—let’s turn it into an opportunity!

Ready to Save?

Apply online today, call us at 860.627.4200 or stop by a branch!

 

*APR = Annual Percentage Rate.

1) Rates are based on credit grade “A”. Your rate may differ depending upon our individual credit score and term selected. Minimum loan amount of $10,000 with a maximum term of 60 months.  Properties must be located in Connecticut, Massachusetts and Rhode Island. • Primary Residences- Up to 100% financing; if CLTV is below 80%, maximum loan amount conforming loan limits. Between 80.01 and 100%, the loan max is $250,000.00, with an add on rate of 1.125%.

• Vacation/Second Homes- Up to 80% CLTV with max loan amount of conforming loan limits. • Investment Properties Up to 70% CLTV financing. Add on .50% to current rate. Maximum term of 10 years and maximum loan amount of $250,000.00.

2) Rates are based on credit grade “A”. Your rate may differ depending upon our individual credit score and term selected. Minimum loan amount of $10,000; maximum term of 60 months for loans of $10,000.   

3) Payment examples: all based on credit grade “A” and up to 80% loan-to value. $949.30 a month based on $50,000 loan amount, 5.25 APR 5-year term $1425.17 a month based on $100,000 loan amount, 5.25% APR 7-year term

4) Application fee of $100 for loan amounts up to $250,000 and $250 for loan amounts over $250,000 will be refunded upon successful loan closing. It will not be refunded if the loan is withdrawn or denied. Hazard insurance is required. A drive by appraisal may be performed on the property at no cost to the member to determine the value to calculate the LTV. An interior appraisal can be done at the expense of the member.

Rates are effective as of the dates shown and are subject to change without notice. Subject to credit approval. Membership eligibility required. Offer is only valid from 10/1/25-10/31/25. Must close by December 1, 2025.