Online Banking

Home Equity
as low as
APR is the Annual Percentage Rate. As of 10/10/2023, the quoted interest rate assumes a first-lien, 75% loan-to-value (LTV), 60-month term, and a minimum credit score 740. Credit criteria apply. The actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, credit history, and collateral. Offer is subject to change without notice. Restrictions may apply. Membership with Arkansas Federal is required for this offer.

Turn your home's value into cash!

Wanting to tackle a home project, fund a vacation, consolidate debt, or even plan a dream wedding? With Arkansas Federal, using the value of your home couldn’t be easier or more affordable. Even if you have no intention of selling your home right now, today’s hot housing market can lead to increased equity that you can use for a variety of projects or other financial needs.

Oh, the possibilities!

  • Book a family vacation
  • Make home improvements
  • Plan a dream wedding
  • Consolidate debt
  • Create a backyard paradise
  • And so much more!

Features & Benefits

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$0 Application Fee

There’s no cost to get pre-qualified. That’s a savings of $500!

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Up to 95% Financing

Borrow up to 95% of your home’s value.Borrow up to 95% of your home’s value, minus your mortgage balance.

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Predictable Payments

Feel secure with the same fixed payment each month.

Questions? We have answers!

What is home equity?

“Home equity” may sound complicated, but it’s actually simple. Home equity is the value of your home minus what you still owe on your mortgage. So, if your home is worth $200,000, and you owe $150,000 on your mortgage, you have $50,000 in equity. The real question is—what could you do with your home’s equity?

What are my options?

Our fixed-rate home equity loan is a great option if you want the stability of a monthly payment that will not change over the life of your loan. But we also offer variable rate Home Equity Lines of Credit (HELOCs) with more of a revolving credit line, similar to a credit card. If you’re not sure which one is right for you, give us a call at 800.456.3000, and we’ll go over your options.

What about fees?

There’s no application fee – that’s a savings of $500! We also don’t charge an origination fee. It’s all part of our goal to save you money!

Tax deductible?

You may be able to deduct the interest paid on your loan. Consult with your tax advisor regarding interest deductibility, as tax rules change.

Get Started. It's Easy!

Apply online. There’s no cost to apply and the application process is easy.
Have questions? Call us at 800.456.3000 or visit your local branch.

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