Buy or Refi

Home Equity Loan

With home values rising, take advantage of your increased equity with a low, fixed-rate home equity loan. Use the cash to finish a home project, fund a vacation, plan a dream wedding, and more. Get started today with fixed rates as low as 7.10% APR The APR (Annual Percentage Rate) is effective as of 03/03/2025. Rates range from 7.10% to 12.50% APR with terms up to 20 years. The property must be owner-occupied; mobile and manufactured homes are not eligible. Upon submitting an application, you may qualify for a higher or lower loan amount and/or APR. The APR is determined by various factors within Arkansas Federal’s custom scoring model, including, but not limited to, credit score, credit history, income, and debt-to-income. You must have a minimum household annual income of $25,000, be over 18 years of age, and have a valid U.S. Social Security Number to be considered for an Arkansas Federal loan. Loan approval is subject to confirmation that your income, debt-to-income ratio, credit history, and application information meet all requirements. Home Equity Loans are available for up to 95% of your home’s value minus your mortgage balance. If a member closes their loan within the first 24 months, all associated processing costs (such as appraisal, flood certification, title search, etc.) will be added to the loan payoff amount. However, if the loan is closed after 24 months, these fees will not apply. Offer and rate advertised are subject to change without notice. Membership with Arkansas Federal is required..