Fall is the ideal time to complete home improvement projects before winter weather arrives and holiday gatherings begin. It's also a great opportunity to consolidate debt and improve your financial outlook before the busy holiday season.
Now through November 15, you can take advantage of our No Closing Costs Home Equity Loan Promotion and keep more money in your pocket.
Apply Now See Rates Schedule Appointment*A full appraisal must be paid for by the borrower if required for the transaction. Tax tracking fee must be paid for by the borrower if the home equity loan is in the first lien position. A $10,000.00 minimum is required. Offer valid through 11/15/26.
When life calls for a little extra funding, your home's equity may be able to help. Whether you're updating your space or paying off higher-interest debt, you'll enjoy predictable payments, competitive rates, and no closing costs through November 15.
Schedule Appointment| Loan Product | Maximum Loan to Value (LTV) | Minimum Loan | Term | Rate as low as | APR* as low as |
|---|---|---|---|---|---|
| Conventional Mortgage | Up to 100% LTV | No Minimum | 10, 15, 20, 30 Year - Fixed Rate | Click here for current rates | First-Time Homebuyer | Up to 97% LTV | No Minimum | Up to 30 years - Fixed Rate | Click here for current rates |
| USDA Loan | Up to 100% LTV, 101% with Guarantee USDA Fee | No Minimum | 30-year Fixed Term | Contact us for current rates | ARM Loan | Up to 100% LTV | No Minimum | 5/1 & 7/1 - Variable Rate | Click here for current rates | Construction Loan | Up to 95% LTV | No Minimum | Flexible Terms - Fixed Rate | Click here for current rates |
| Land Loan | Up to 75% LTV | No Minimum | 15-year Fixed | Contact us for current rates | $475 Refi | Up to 80% LTV | No Minimum | Up to 15 years - Fixed Rate | Click here for current rates |
| Renovation Loan | Up to 97% LTV | No Minimum | Up to 30-year Fixed Rate | Contact us for current rates | |
| Home Equity Loan | Up to 80% LTV | $10,000 | 12 - 120 Months - Fixed Rate | 7.490% | 7.490%** |
| Home Equity Loan | Up to 81 - 90% LTV | $25,000 | 121 - 180 Months - Fixed Rate | 7.740% | 7.740%*** |
| Home Equity Line of Credit | Up to 80% LTV | $10,000 | 120 Months - Variable Rate | 6.750% | 6.750%**** |
Membership at ProFed is required. *The annual percentage rate (APR) listed are our best rates. Home Equity Rates were last updated on 2/11/26. Your rate may vary depending on your credit score. **Annual Percentage Rate is based on a loan amount of $10,000 and a term of 120 months. ***Annual Percentage Rate is based on a loan amount of $25,000 and a term of 180 months. ****The Rate for the Home Equity Line of Credit is based on prime (index), as published in the Wall Street Journal on the last day of the month, plus a margin. The Annual Percentage Rate is based on a $10,000 line of credit.
Getting a home equity loan shouldn’t slow you down. ProFed makes it easy from start to finish:.
From first-time homeowners to long-time members, ProFed can help you put your home equity to work.
At ProFed, you’re more than a borrower — you’re a valued member.
That's the advantage of financing with a credit union that puts members first.
A Home Equity Loan from ProFed can provide the flexibility you need to reach your financial goals:
Turn the equity in your home into an affordable financing solution with ProFed Credit Union.
A Home Equity Loan lets you borrow against the equity you've built in your home and receive the funds as a lump-sum loan with fixed monthly payments.
Many homeowners use home equity loans for renovations, debt consolidation, home repairs, energy-efficient upgrades, and other major expenses.
For a limited time, qualifying new Home Equity Loans are eligible for no closing costs during the promotional period.
The promotion is available through November 15.
Offer valid on new Home Equity Loans originated between September 15 and November 15. Property, credit, and underwriting approval required. Other restrictions may apply. Contact us for complete details. Equal Housing Lender.