Home Equity

Your home's equity could hold the key to financing your next big project.

Tap into equity as a flexible line of credit

Receive your money as a lump sum when you know exactly what you need

Work with a local team focused on helping you

Use funds for renovations, special purchases, debt consolidation and more 
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Lines and loans for life's journey.

Home Equity Line of Credit (HELOC)

Account Details : Home Equity Line of Credit (HELOC) Apply for a HELOC
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Home Equity Loans

Account Details : Home Equity Loans Apply for a Home Equity Loan
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Home Equity Line of Credit (HELOC)

Best for financial flexibility to access the amount of money you need when you need it

Home Equity Loan

Best for times when you know how much money you need to borrow and want to receive it in a lump sum

Rates starting at as low as 3.99% APR* for the first 12 months and a variable rate as low as 6.50%* thereafter

Fixed rates starting at as low as 5.99% APR** with no application fee

  • Homes must be located in PA, NJ, NC, SC, DE, MD or FL
  • Not available for investment property
  • Minimum loan amount of $5,000
  • Available for homes in PA, NJ, NC, SC, DE, MD and FL
  • Investment properties can be used as collateral for loan amounts under $50,000

Sheila W.

"I’ve always been able to come away with whatever I had questions about, I was able to get answers. I’ve been a member since the 80s and was able to get my first and last car financed with no red tape."

Elizabeth D.

"The experience with Kheng was heartwarming. I was close to tears during my application process with her. She was gentle, kind, thorough, patient, understanding and professional. I had the best experience that I could have imagined. This is a place where I would like to work."

TOOLS TO GET YOU AHEAD

Smart Strategies: Budgeting, Saving, and Paying Debt Made Simple

Are you feeling overwhelmed by the daunting task of managing your money? Whether you're trying to budget, save, or pay off debt, it can often feel like a juggling act. But with the right strategies, you can easily tackle all these financial goals.

Read More about Smart Strategies: Budgeting, Saving, and Paying Debt Made Simple

Philadelphia Federal Credit Union is a full-service financial institution with locations in Philadelphia, Montgomery and Columbia County, PA.