How much equity have you built?

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APR=Annual Percentage Rate. Rates subject to credit and amount of equity in your home. Home Equity Lines of Credit (HELOC’s) or Home Equity Loans are available for primary residences located in Nebraska or Pottawattamie County, in Iowa. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Other restrictions may apply. All loans subject to approval. The actual amount of your line/loan will be determined by the amount of equity in collateral. Applicants are responsible for cost of appraisal, if required. The closing costs depend on the location of the property and the amount of the equity line/loan. For lines/loans up to $100,000, closing costs typically range between $225 and $1,000. Property Insurance is required. Consult your tax advisor for deductibility of Interest. You must be a member of the Credit Union to obtain a loan. There is a $5.00 minimum balance required in your share savings when you become a member. Interest accrues from the date of funding. Election of 90-day first payment due date may increase finance charges. Offer is valid for new loans only and is not available on refinances of existing FNCU loans. Rates as of 8/3/2026.

** It is not guaranteed that consolidating multiple debts into a single monthly payment will result in a lower monthly payment or lower interest rate. Payment reduction may come from a lower interest amount, a longer-term loan, or a combination of both.

1) HOME EQUITY: Payment Example: For a $25,000 dwelling secured loan for a term of 60 months at 5.77% APR is $480.70 (Up to 80% LTV); $25,000 at 7.53% APR for 60 months is $501.29 (Up to 90% LTV). All repayment examples are quoted without debt protection. Debt protection available. Payment examples do not include amounts for taxes and insurance premiums, if applicable; the actual payment obligation will be greater. The minimum loan amount is $5,000 and the maximum loan amount is $250,000. Members without a checking account may receive a slightly higher rate (.25%).

2) HELOC: Fixed Home Equity Lines (Fixed HELOC’s) are available for primary residences located in Nebraska or Pottawattamie County in Iowa. Applicants will be responsible for cost of appraisal, if required. Property insurance is required. Consult your tax advisor for deductibility of interest. The APR is a fixed rate (range 6.49% to 9.50%) depending on CLTV and credit score. Payments based on 1.50% of outstanding balance at the end of statement cycle or $25 whichever is greater. Minimum payment may not repay principal which will result in a balloon payment at the end of the repay period. Credit Limit is dependent on the value of the subject property. For Loan lines up to $100,000, closing costs typically range between $225 and $1,000. The closing costs depend on the location of the property and the amount of the equity loan. The minimum loan amount is $5,000 and the maximum loan amount is $250,000. Minimum advance is $300. Interest is charged from date of the loan advance and is calculated based on the balance owed each day. At the end of the 60 month draw period, loan enters a repayment period up to 84 months.