Home Equity Rates

Rates as of: March 1, 2019

Product Term Rate as low as* APR**
5-Year Fixed Ɨ 1 - 60 months 3.75% 3.75%
10-Year Fixed Ɨ 61 - 120 months 4.00% 4.00%
15-Year Fixed Ɨ 121 - 180 months 4.50% 4.50%
20-Year Fixed Ɨ 181 - 240 months 4.75% 4.75%

ƗRate determined by your credit history and term and subject to change without notice. Subject to credit approval.  Program, rates, terms and conditions are subject to change without notice. Other terms governed by AEFCU Lending Policy. Consult tax advisor regarding tax deductibility. Payment Example: $30,000 Loan at 3.50%APR at 60 months is equal to a monthly payment of $545.75. This payment does not include taxes or insurance.

Property types: 1-4 unit dwellings, condominiums (attached or detached), and PUD's (attached or detached), located in Connecticut or Massachusetts. Minimum loan amount = $10,000. Maximum loan amount = $500,000. Rate assumes that loan is a first lien and a combined loan to value (CLTV) of up to 85%. Loans for second liens with CLTVs up to or over 85% available. Call 860.568.2020, ext. 5110 for rates and details.

Home Equity Lines of Credit

Rates as of: March 1, 2019

Product Term Rate as low as* APR**
Home Equity Line of Credit ‡ 300 Months  Prime + 0.25% 3.75%

‡Promotion is available from February 1, 2019, through May 30, 2019. 3.75% fixed APR the first 12 months of account opening. After the introductory period, the APR will be a variable rate based on The Wall Street Journal Prime Rate plus a margin of +.25%. APR may increase after 12 months due to changes in the Prime Rate. The Prime Rate is published by The Wall Street Journal. The Prime Rate is variable and, as it changes, the APR on your line of credit will also change. APR is determined by adding the prime rate plus a margin. The margin is based on credit history and term of loan. (Prime Rate is 5.50% as of March 1, 2019) 

*Rate determined by your credit history and term of loan. 

**APR = Annual Percentage Rate
Subject to credit approval. Program, rates, terms and conditions are subject to change without notice.