Switch to: Home Purchase Loans
Home is where your next adventure begins…
The equity in your home can be used for more than home improvements. We even have an option where no equity is required! We know, it’s pretty awesome.
- Consolidate debt
- Go on vacation
- Purchase a vehicle
- Pay for college expenses and more!
- Add value to your home
Prospera Home Equity Loan Options
Find the best option for you below, then check rates and apply online when you’re ready.
Home Equity Loan
Have a specific need in mind and know exactly how much you need? A Home Equity Loan is likely the right choice for you – a loan with a fixed payment and fixed term.
Save time by having this info ready before you apply.
Home Equity Line of Credit
Maybe you have a need in mind but you’re just not sure how much money it will take. The Line of Credit is a convenient choice since you can continually advance funds within an established limit without reapplying for the loan. It provides that extra bit of flexibility since we know not all projects go exactly as planned.
Save time by having this info ready before you apply.
Homeowner Multipurpose Loan/Line
Here’s that loan we mentioned above where equity is not required! This also comes with an option for a lump sum with a fixed payment and term, but wait, we don’t stop there. We also offer an option for a line of credit to provide flexibility. No, we’re not kidding!
Save time by having this info ready before you apply.
What To Know Before You Apply
The average application takes just 15-20 minutes to complete. Questions? Our Lending Team is here to help.
- Personal information of all applicants
- 2-year work history
- 2-year residency
- Purpose of loan (refi, consolidation, home improvement)
- Loan amount
- Idea what house is worth
- Bank account & deposit info
Home Equity Line of Credit Rates
Apply For Home Equity Line of Credit| LOAN TYPE | APR1 (as low as ) | TERM |
|---|---|---|
| LOAN TYPE: 80% LTV or less | APR1 (as low as ): 6.49% | TERM: 12 month Fixed Intro Rate2 |
| LOAN TYPE: | APR1 (as low as ): 7.50% | TERM: Then variable rate as low as 2 |
| LOAN TYPE: 80% LTV or less | APR1 (as low as ): 6.49% | TERM: 5 year Intro Rate3 |
| LOAN TYPE: | APR1 (as low as ): 7.50% | TERM: Then Variable rate as low as3 |
| LOAN TYPE: Up to 90% LTV | APR1 (as low as ): 9.50% | TERM: Variable rate as low as 4 |
| LOAN TYPE: Up to 100% LTV or less | APR1 (as low as ): 12.50% | TERM: Variable rate as low as 5 |
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1APR = Annual Percentage Rate 2After the 12 month introductory period, the rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18%. During the introductory and 10 year draw period, the minimum monthly payment will be (a) $50 or (b) the accrued interest on the outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. 3After 5 year introductory period, the rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 4%. During the introductory period, the minimum monthly payment will be (a) $50 or (b) 1%outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. For informational purposes only. Not intended for advertisement of credit. Rates based on your account relationship and credit score. 4The rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 5%. Minimum monthly payment will be (a) $50 or (b) 1.5% outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. 5The rate is indexed to The Wall Street Journal Prime. APR is subject to change monthly but cannot exceed 18% and never falls below 8%. Minimum monthly payment will be (a) $50 or (b) 1.5% outstanding balance under the agreement as of the close of the billing cycle, whichever is greater. Closing costs may vary. Rates as of 07/01/2025 at 7:37 AM. Subject to change without notice. |
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Home Equity Loan Rates
Apply For a Home Equity Loan| LOAN TYPE | APR1 (as low as) | PAYMENT PER $1000 | TERM |
|---|---|---|---|
| LOAN TYPE: 80% LTV or less2 | APR1 (as low as): 6.25% | PAYMENT PER $1000: $19.46 | TERM: 5 year |
| LOAN TYPE: 80% LTV or less2 | APR1 (as low as): 6.321% | PAYMENT PER $1000: $19.47 | TERM: 5/ARM2 |
| LOAN TYPE: 80% LTV or less 3 | APR1 (as low as): 6.25% | PAYMENT PER $1000: $11.24 | TERM: 10 year |
| LOAN TYPE: 80% LTV or less3 | APR1 (as low as): 6.99% | PAYMENT PER $1000: $8.99 | TERM: 15 year |
| LOAN TYPE: Up to 90% LTV | APR1 (as low as): 7.75% | PAYMENT PER $1000: $20.16 | TERM: 5 year |
| LOAN TYPE: Up to 100% LTV | APR1 (as low as): 10.74% | PAYMENT PER $1000: $21.62 | TERM: 5 year |
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1APR = Annual Percentage Rate 3 New money minimum $20,000. Closing costs may vary. Rates as of 07/01/2025 at 7:43 AM. Subject to change without notice. |
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Homeowner Multipurpose Loan
Apply for a Homeowner M/P Loan| LOAN TYPE | TERM | Interest Rate | APR (as low as) | Payment per $1000 |
|---|---|---|---|---|
| LOAN TYPE: Installment (Lump Sum)1 | TERM: Up to 100 Months | Interest Rate: 9.25% | APR (as low as): 9.36% | Payment per $1000: $14.39 |
| LOAN TYPE: Personal Line of Credit2 | TERM: Variable Line of Credit | Interest Rate: 11.50% | APR (as low as): 11.50% | Payment per $1000: |
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1Annual Percentage Rate (APR) is based on creditworthiness and loan terms. The advertised APR includes a one-time $25 processing fee and a 0.50% discount for PCU checking and auto pay. Minimum loan amount: $5,000. Maximum loan amount: $40,000. Max term is 60 months pay. Minimum loan amount: $5,000. Maximum loan amount: $40,000. Max term is 60 months for loans less $15,000 and less or 100 months for =loans greater than $15,000. Loans currently held with PCU are not eligible. Offer limited to homeowners. Membership eligibility required. Rates subject to change without notice. Rates as of 07/01/2025 at 7:42 AM. Subject to change without notice. |
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¹ APR = Annual Percentage Rate
Closing costs may vary.