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Home Equity Line of Credit

Home Equity Line of Credit Product Variable Annual Percentage Rate (APR) Fixed Annual Percentage Rate (APR) Minimum Loan Amount Rate Information
Home Equity First Lien As low as 4.75% As low as 4.75% $50,000.00 No Annual Fee. Closing Costs: Horizon will pay most closing costs associated with a Home Equity 1st Lien which includes: credit report, flood determination, recording, and reconveyance. The member is responsible for paying the title fee, automated property valuation and if an appraisal is required, the cost will be paid by the member, who is responsible for the fee whether or not the loan closes. Should this loan be closed within 24 months from origination, the member will be obligated to pay Horizon the full amount of the total closing cost for the loan. Other terms and conditions may apply.
HELOC First Lien As low as 5.00% As low as 6.00% $10,000.00 $50 Annual Fee. During the initial 10 year loan advance period, the member may elect to convert the Home Equity Line of Credit from a variable rate to a fixed rate loan for a transaction fee of $75. The minimum amount required to be converted to fix rate is $5,000. Closing Costs: Horizon will pay most closing costs associated with a Home Equity Line of Credit which includes: origination fee, credit report, flood determination, title search, recording, reconveyance and automated property valuation. If an appraisal is required, the cost will be paid by the member, who is responsible for the fee whether or not the loan closes. Should this loan be closed within 24 months from origination, the member will be obligated to pay Horizon the full amount of the total closing cost for the loan. Other terms and conditions may apply.
HELOC Second Lien As low as 5.25% As low as 6.25% $10,000.00

The rates, fees, and terms shown are effective April 11th 2018

Loan advances may be taken over a 10 year period from the time of origination.

Variable rate loans will adjust quarterly based on the Wall Street Journal (WSJ) Prime Rate plus margin with a maximum APR of 18%.

Horizon rates, terms and conditions are subject to change without notice. Certain terms and conditions may apply. On approved credit. Membership required. APR = Annual Percentage Rate.

For more information please call us at 800.852.5316.

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  • NCUA
  • NMLS

    407890
  • EHL
  • ESI