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.

Home Equity Loan Calculator
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.
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!
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
*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

ENDLESS OPTIONS
Our Home Equity Loan has you covered!
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
