Today's Interest Rates
Home Equity Term Loan
Home Equity Line of Credit
||0.000% to 1.240%
||3.250% to 4.490%
1 Displayed interest rates are based upon a 30-day lock for a loan on a primary residence with a minimum FICO score of 740 and a combined loan to value of 80%. This information is accurate as of November 29, 2015 and is subject to change without notice. Individual interest rates will vary depending upon loan details such as combined loan to value, credit history, property type and occupancy. Stated interest rates do not constitute an offer to enter into an interest rate agreement.
2 Annual Percentage Rate (APR).
3 Payment amount represents principal and interest payments based upon the noted term and interest rate and a loan amount of $100,000. Payment information specific to 5/10-year home equity loan terms: Initial 60-month (5-year) APR is fixed with an amortized payment based on 180 months (15 years). Remaining 120-month (10 years) payment is based on Prime Rate plus a margin. Click here to see full 5/10-year home equity loan disclosure.
4 Prime rate as published in the Wall Street Journal Money Rates Table. As of November 29, 2015 the Prime rate is 3.25%.
5 Margin varies based upon combined loan to value, credit history, property type and occupancy. Margin reflected above does not include auto pay discount of 0.25% from Univest checking or savings account.
6 Annual Percentage Rate (APR) reflects current prime rate plus the margin. Maximum APR over the life of the home equity line of credit is 18.00%. Maximum APR over the life of the 5/10-year home equity loan is 6.00% above the initial rate.