Equity Loan Rates


Effective as of 10/29/2014

(APR defined as Annual Percentage Rate; is subject to change without notice. Customers must live within our Lending Area to qualify.)

Equity Line of Credit
Category Rate Max. Term
Prime minus .50% for Life, monthly adjustable tied to WSJ Prime,      
an interest only required payment during the Draw period, then a 10 YR Repayment Period of P & I pay'ts. HELOC $25,000 to $100,000 2.75%* APR 25 Years
HELOC up to $100,001 to $250,000 2.75%* APR 20 Years
     
Single family dwellings 80% max LTV; Condos 50% max LTV.      
Annual Maintenance Fee $25; fee waived if disbursed balance on Line anniversary is over $10,000. If the Line is closed within the first 2 years, a $500 termination fee will be charged.      
Maximum APR 12%, Minimum APR 2.75%. In some instances appraisal and/or closing fees will be charged. Property insurance is required. Also, a Foxfed Checking acct. and an automatic loan payment are required.      

No Cost Fixed Equity Loans
Rate Max. Term **Cost per $1000
Min. Loan Amt. $50,000 3.875% APR 10 Years 10.07
Min. Loan Amt. $50,000 4.125% APR 15 Years 7.46
Min. Loan Amt. $50,000 5.125% APR 20 Years 6.67
No Points/No Closing costs*, Requires automatic loan payment from a Foxfed Checking account . Single family owner occupied properties only. Maximum LTV 80%. *Appraisal and/or recording fees may apply.      
Property held in a Trust will have some closing costs approx. $176. Property insurance is required.      
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater. Subject to a pre-payment penalty.      

Fixed Equity Loans
Rate APR* Max. Term **Cost per $1000
Loan Amt. $25,000-$250, 3.50% 3.77% 10 Years 9.89
3.75% 3.94% 15 Years 7.27
4.75% 4.83% 20 Years 6.46
Closing costs approximately $700. Owner occupied SF properties only. Maximum 80 LTV%. Appraisal cost is additional if required.        
Properties held in a Trust add approx. $176 to closing costs. Property insurance is required.        
APR based on a $50,000 loan.        
**Cost per $1000 does not include taxes or insurance; if escrows were to be required, the actual payment would be greater.        

Please call 508-543-5321 or our toll free loan line, which is 1-877-FOXFED1 (1-877-369-3331) for rates pertaining to other loan terms.



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