Leverage your home's value with competitive HELOC Rates from Geddes Federal.
Rates effective October 15, 2026 | *APR= Annual Percentage Rate
Home Equity Loans 1
| Home Equity Term | Lien Position | Annual Percentage Rate (APR) | Payment per $10,000 | Number of Payments |
|---|---|---|---|---|
| 5 Year Monthly | 1st Lien | 6.125% | $193.91 | 60 |
| 5 Year Monthly | 2nd Lien | 6.375% | $195.08 | 60 |
| 7 Year Monthly | 1st Lien | 6.250% | $147.29 | 84 |
| 7 Year Monthly | 2nd Lien | 6.750% | $149.71 | 84 |
| 10 Year Monthly | 1st Lien | 6.375% | $112.91 | 120 |
| 10 Year Monthly | 2nd Lien | 7.000% | $116.11 | 120 |
| 12 Year Monthly Special | 1st or 2nd Lien | 6.250% | $98.89 | 144 |
| 12 Year Monthly | 1st Lien | 6.625% | $100.85 | 144 |
| 12 Year Monthly | 2nd Lien | 7.250% | $104.18 | 144 |
| 15 Year Monthly | 1st Lien | 7.000% | $89.88 | 180 |
| 15 Year Monthly | 2nd Lien | 7.375% | $91.99 | 180 |
Home Equity Line of Credit 2
| Account | Variable Annual Percentage Rate (APR) | Interest Rate | Rate Type |
|---|---|---|---|
| Standard Adjustable Rate HELOC | 6.50% 3 | Prime - .50% (Rates can increase up to 5% over the initial rate, or decrease up to 2% from the initial rate.) | Variable |
| 6.75% 4 | Prime - .25% (Rates can increase up to 5% over the initial rate, or decrease up to 2% from the initial rate.) | Variable | |
| Fixed Rate HELOC | 7.75% | 7.750% | Fixed |