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Love Where
You Live

 with a Home Equity Loan

 

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Home Equity Loan Features

Whether you're looking to complete a home improvement project, consolidate debt, or refinance your current home equity loan, a Peach State Home Equity Loan (also called a Second Mortgage) is the perfect solution.

  • Low Fixed Rates Low fixed rates mean consistent lower payments and no surprises.
  • No Penalty We encourage early payments and feature no prepayment penalties.
  • Tax Deductions This affordable loan solution may offer tax deductions. Be sure to consult with a tax advisor.
  • Flexible Solution The possibilities are endless! Use your home equity to fund your next adventure.
Upgrade your home with a Home Equity Loan from Peach State

Home Equity Loan Calculator

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Home Equity
Loan Calculator

Find your perfect payment! Explore your monthly payment options to see how affordable a Peach State Home Equity Loan can be. Don't forget to email yourself the results for reference!


This calculator is for informational purposes only and its use does not guarantee an extension of credit. Actual rates, terms, and payments may vary based on creditworthiness, loan amount, collateral, and underwriting criteria. 

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Debt Consolidation is Possible
Calculate your potential monthly payment if you were to combine your outstanding debt into one manageable loan at a lower interest rate. Consider your potential savings!

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Low Home Equity Loan Rates
Use the rate table below to see what your rate could be at a term that works for you! When you're ready, start your application.

Home Equity
Loan Rates

You've loved your home. Now is the time to let it love you back. Take advantage of our low Home Equity Loan rates today!

*Rates are fixed or variable and are subject to change based on market conditions. APR and terms will be determined based on creditworthiness and underwriting criteria. Maximum combined loan-to-value (CLTV) is 80%. Loan terms available include 5, 10, or 15 years. Minimum loan amount is $10,000 and maximum loan amount is $150,000. Applicants typically need a minimum representative credit score of 640; however, all loans are subject to credit approval and additional underwriting requirements. Approval is not guaranteed. Property must be your primary residence. Membership is required. Applicant must be an existing member or eligible for membership through our field of membership. A $50 application fee applies. Closing costs typically range from $215 to $2,500, depending on property type, appraisal requirements, and attorney fees. All fees will be disclosed at the time of application. Offer available in the states of Georgia and South Carolina. Terms and conditions are subject to change without notice. This is not a commitment to lend. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #483559

Home Equity Loan Rates

Loan Term
APR* (as low as)
Max Loan to Value**
Loan Term
60 Months
APR* (as low as)
6.25%
Max Loan to Value**
80%
Loan Term
120 Months
APR* (as low as)
6.75%
Max Loan to Value**
80%
Loan Term
180 Months
APR* (as low as)
7.25%
Max Loan to Value**
80%
Effective December 12, 2025

*Rates are fixed or variable and are subject to change based on market conditions. APR and terms will be determined based on creditworthiness and underwriting criteria. Maximum combined loan-to-value (CLTV) is 80%. Loan terms available include 5, 10, or 15 years. Minimum loan amount is $10,000 and maximum loan amount is $150,000. Applicants typically need a minimum representative credit score of 640; however, all loans are subject to credit approval and additional underwriting requirements. Approval is not guaranteed. Property must be your primary residence. Membership is required. Applicant must be an existing member or eligible for membership through our field of membership. A $50 application fee applies. Closing costs typically range from $215 to $2,500, depending on property type, appraisal requirements, and attorney fees. All fees will be disclosed at the time of application. Offer available in the states of Georgia and South Carolina. Terms and conditions are subject to change without notice. This is not a commitment to lend. We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act. NMLS #483559

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Imagine the possibilities with a Home Equity Loan from Peach State FCU-1

ENDLESS OPTIONS

Our Home Equity Loan has you covered!

Take advantage of the equity you have built in your home. No matter what you have in mind, our affordable Home Equity Loan can help make it happen.

  • Home Improvements
  • Debt Consolidation
  • Education or Medical Expenses
  • Dream Wedding or Vacation
  • Anything you can imagine!
Three  Practical Budget Templates

3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand

Testimonial

I love my member service experience. No matter my issue, it always gets resolved. And the representatives are very knowledgeable and very member-orientated. I also appreciate the follow-up calls.
 
- Deborah B. 
 
The way staff went above and beyond to help with my specific financial need. The benefits of low interest rates on loans..auto and personal. Also they treat members as individuals and not a number.  
 
- Verdra B.
 
Peach State has always been easy to work with and has had very fair rates on their products. I have used them for home improvement projects and auto loans.
 
- Thomas G.
 

Frequently Asked Questions

These are a few of the commonly asked questions about Home Equity Loans.
For even more FAQs, check out our Member Knowledge Base.
Member Knowledge Base