Home Equity Loans

Your Home Can Help You With a PFCU Home Equity Line of Credit

Take advantage of the equity in your home to do some home improvements, pay college tuition, or use it for other personal reasons. We have an equity plan to fit your needs.

  • 2.99% APR* HELOC Loan Special for 12 months
  • Will adjust to standard contract rate thereafter. Rates are based on prime lending rate at the time of adjustment.
  • No annual service charge


Questions? For detailed information, please contact one of our loan officers at 847.MYPFCU1 / 847.697.3281 or loans@mypfcu.org.

Disclosure: INTRO RATE: For each of your billing cycles for 12 months, the monthly Periodic Rate for new transactions will be an APR of 2.99%. Beginning with the first day of the 13th month the Periodic Rate and the corresponding APR for all transactions and balances will be based upon your contracted rate which will be a variable rate based upon The Wall Street Journal prime rate which was 4.75% as of  7/1/2022, but will never be more than 18.00% APR or less than 4.00% APR for transactions with a loan to value ratio equal to or less than 80.00%.  Your APR will be based on several factors, including your credit history/credit score, loan to value ratio, property type, and lien status. Your first billing cycle after the date of the Agreement may be less than a full or complete billing cycle. No other discounts apply to the Intro Rate.

*APR (Annual Percentage Rate): Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Minimum initial loan advance of $25,000 required. 

All loans subject to approval and must meet PFCU lending guidelines. Existing PFCU loans qualify for refinance when increasing the line of credit limit by an additional $25,000. A minimum advance of $25,000, above the loan amount refinanced, will be required. Eligibility restrictions may apply when refinancing. Loan to value restrictions will apply. 

We Will Be Closed on Monday, Oct. 10th for Columbus Day