Current home equity loan rates in Springfield, Pennsylvania include Sharon BankSharon Bank153 Saxer Ave, Springfield, PA, 19064A+5.0 ★Texas Ratio: 5.37% offering Home Equity Loan at 5.00%, Sun East Federal Credit UnionSun East Federal Credit UnionOlde Sproul Shopping Village, Springfield, PA, 19064A5.0 ★Texas Ratio: 8.40% offering Home Equity Line of Credit at 5.75%, Police And Fire Federal Credit UnionPolice And Fire Federal Credit UnionSpringfield Square North Shopping Center, Springfield, PA, 19064A+5.0 ★Texas Ratio: 0.61% offering Home Equity Loan at 5.99%, TruMark Financial Credit UnionTruMark Financial Credit Union1141 Baltimore Pike, Springfield, PA, 19064A+5.0 ★Texas Ratio: 3.60% offering Business Home Equity HELOC Select - Primary at 5.99%, and Citadel Federal Credit UnionCitadel Federal Credit Union783 W Sproul Rd, Springfield, PA, 19064 1215A+5.0 ★Texas Ratio: 2.71% offering Home Equity Interest-Only HELOC at 6.75%. Home equity and HELOC rates as of August 28, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated — we recommend checking back frequently.
Rates reflect actual verified offers from lenders actively serving Pennsylvania borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: August 28, 2026
We offer both short-term and long-term Home Equity loans with rates as low as 5.00% APR! Learn More
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
LTV: Up to 80%, Loan Amount: $50,000 - $600,000
Loan Amount: $50,000 - $600,000; LTV: Up to 80%
Loan Amount: $50,000 - $600,000; LTV: Up to 80%
Rate reflects a 0.25% discount with automatic payment from an active PFFCU Checking Account or Savings Account or distribution from a payroll check automatically deposited with PFFCU. Maximum LTV of 80%.
Rate reflects a 0.25% discount with automatic payment from an active PFFCU Checking Account or Savings Account or distribution from a payroll check automatically deposited with PFFCU. Maximum LTV of 65%.
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
LTV: Up to 80%, Loan Amount: $50,000 - $600,000
Loan Amount: $50,000 - $600,000; LTV: Up to 80%
Loan Amount: $50,000 - $600,000; LTV: Up to 80%
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
LTV: Up to 80%, Loan Amount: $25,000 - $49,999
Loan Amount: $25,000 - $49,999; LTV: Up to 80%
Loan Amount: $25,000 - $49,999; LTV: Up to 80%
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
LTV: Up to 80%, Loan Amount: $25,000 - $49,999
Loan Amount: $25,000 - $49,999; LTV: Up to 80%
Loan Amount: $25,000 - $49,999; LTV: Up to 80%
Loan amount of $100,000 at 6.74% APR for 120 months will have an estimated monthly payment of $1,147.73. Product not eligible for first lien mortgage in flood zone. Annual Percentage Rate (APR) is subject to change without notice, and applies to loan-to-value (LTV) ratio of up to 80% and a loan amount of $5,000 to 500,000. APR may vary depending on creditworthiness, loan amount, and loan-to-value.
Loan amount of $100,000 at 6.74% APR for 120 months will have an estimated monthly payment of $1,147.73. Product not eligible for first lien mortgage in flood zone.
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
LTV: 80.01% to 100%, Loan Amount: $50,000 - $100,000
Loan Amount: $50,000 - $100,000; LTV: 80.01% to 100%
Loan Amount: $50,000 - $100,000; LTV: 80.01% to 100%
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
LTV: 80.01% to 100%, Loan Amount: $50,000 - $100,000
Loan Amount: $50,000 - $100,000; LTV: 80.01% to 100%
Loan Amount: $50,000 - $100,000; LTV: 80.01% to 100%
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
LTV: 80.01% to 100%, Loan Amount: $25,000 - $49,999
Loan Amount: $25,000 - $49,999; LTV: 80.01% to 100%
Loan Amount: $25,000 - $49,999; LTV: 80.01% to 100%
As Low As; APR includes 0.25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.
LTV: 80.01% to 100%, Loan Amount: $25,000 - $49,999
Loan Amount: $25,000 - $49,999; LTV: 80.01% to 100%
Loan Amount: $25,000 - $49,999; LTV: 80.01% to 100%
No additional details available.
LTV Up to 65%; Loan Amount $50,000 - $200,000
No additional details available.
Rates as low as 4.25% Annual Percentage Rate. Tap into your home's equity.
As Low As
As Low As; 80.01% - 85% Loan to Value
As Low As; 80.01% - 85% Loan to Value
No additional details available.
No additional details available.
As Low As; The APR is current as of 8/1/2026. qualification is based on an assessment of individual creditworthiness and our underwriting standards. For the home equity fixed rate loan, the rate will not increase at any time while the plan is open. The Everyday Equity rate is variable, subject to change monthly. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions.
As Low As; 1st/2nd Lien Position
1st Lien Home Equity APR as low as*
No additional details available.
As Low As
No additional details available.
No additional details available.
No additional details available.
$50,000 Maximum
No additional details available.
As Low As; Rates effective as of 04/23/2026
As Low As; Up to 70% Loan to Value
As Low As; Up to 70% Loan to Value
Loans $10,000 to $350,000
Intro Rate = 4.99% for Six Months. After Intro, APR as low as 5.75%. APR = Annual Percentage Rate; effective 12/15/2025 and subject to change without notice. Loan rates are determined by member's creditworthiness as well as other factors including term of the loan, line requested and loan-to- value ratio. Top tier rates listed are available to highly credit-qualified individuals.
As Low As; Loan Amounts: $5,000 - $500,000
As Low As; Loan Amounts: $5,000 - $200,000
Loan Amounts: $5,000 - $500,000
Loan Amounts: $5,000 - $200,000
4.99% Introductory ANNUAL PERCENTAGE RATE (APR) is effective from account opening until March 31, 2027, on applications received April 1, 2026 through August 31, 2026. Thereafter the APR will vary with the Market based on the Prime Rate, may adjust monthly, and is SUBJECT TO CHANGE WITHOUT NOTICE. It will be an "Index" minus a "Margin". The "Index" for any given month will be equal to the "Prime Rate" posted in the Selected Interest Rates section of the Federal Reserve website at www.federalreserve.gov, fifteen days prior to the beginning of each month. If the Selected Interest Rates section is not updated that day, we will select the rate on the next day it is updated. If the Index changes on or before this day in any given month, your APR and monthly periodic rate may change on your statement that is produced on or after the first day of the subsequent month. On March 17, 2026, the applicable Prime Rate was 6.75%. The "Margin" is -0.75%. Your APR thus equals the Prime Rate of 6.75% minus 0.75% with an APR of 6.00% which reflects a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU. The maximum Annual Percentage Rate that we may impose will not exceed that permitted to be charged by a federally chartered credit union, which at the time of this disclosure is 18.00%. The minimum APR that can apply is 2.99%. Advances of credit are permissible for five years (the draw period) during which the minimum monthly payment will equal the finance charges plus any other charges (the minimum payment will not reduce the principal balance that is outstanding on the line). After the draw period, the outstanding balance must be repaid over 15 years. Home Equity Line of Credit must be secured by a member's primary residence and have a maximum LTV of < 80%. Please consult a tax advisor regarding the deductibility of interest. Offer does NOT apply to the refinance of an existing PFFCU loan. Members are responsible for all mortgage taxes in FL, including, but not limited to, the Documentary Stamp Tax.
Intro APR held through March 31, 2027: 4.99%
Home Equity Loan Rates variable
As Low As; Loan Amounts: $5,000 - $200,000
Loan Amounts: $5,000 - $200,000
As Low As; Loan Amounts: $5,000 - $49,999
Loan Amounts: $5,000 - $49,999
as low as
As Low As; The APR is current as of 8/1/2026. qualification is based on an assessment of individual creditworthiness and our underwriting standards. For the home equity fixed rate loan, the rate will not increase at any time while the plan is open. The Everyday Equity rate is variable, subject to change monthly. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions.
Intro rate expires: 12 months; Regular APR: Variable rate based on WSJ Prime plus margin with 3.00% floor after 12 month period
As Low As; The APR is current as of 8/1/2026. qualification is based on an assessment of individual creditworthiness and our underwriting standards. For the home equity fixed rate loan, the rate will not increase at any time while the plan is open. The Everyday Equity rate is variable, subject to change monthly. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions.
No additional details available.
Introductory rate fixed at 4.79% APR for 12 months from loan closing date. After introductory period, APR will be a variable rate as indicated below. Rates are adjusted on a quarterly basis and are indexed to a Prime Rate published in the WALL STREET JOURNAL (WSJ). Rate adjusted effective July 1, 2026 based on the WALL STREET JOURNAL. Prime rate is (6.75%) as of June 20, 2026 in accordance with loan terms. *Maximum adjustment is 2% in a calendar year. Rate cannot go below 4.0%* Minimum Real Estate secured loan amount $10,000. Property must be owner occupied and primary residence located in Pennsylvania or Ohio.
No additional details available.
As Low As; The APR is current as of 8/1/2026. qualification is based on an assessment of individual creditworthiness and our underwriting standards. For the home equity fixed rate loan, the rate will not increase at any time while the plan is open. The Everyday Equity rate is variable, subject to change monthly. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions.
Intro rate expires: 6 months; The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.00% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.
Intro rate expires: 6 months; The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.25% to 18.00% APR based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It's advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.
No additional details available.
No additional details available.
Promotional introductory rate
As Low As; The APR is current as of 8/1/2026. qualification is based on an assessment of individual creditworthiness and our underwriting standards. For the home equity fixed rate loan, the rate will not increase at any time while the plan is open. The Everyday Equity rate is variable, subject to change monthly. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions.
Intro Rate Of 5.24% APR then WSJ Prime -1%, floating.
Introductory APR; WSJ Prime =6.75%; Loan to Value Ratio 90%
As Low As; The variable APR is determined by the Wall Street Journal Prime with a +/- margin. The rate is variable and can change monthly. The floor rate after the introductory period is 0% and the maximum rate is 18.00%. The line of credit has a 10 year draw period and a 20 year repayment period. Monthly payment are interest only during the draw period. Lancaster Red Rose Credit Union NMLS ID 770445
Variable rate = Prime - 1.50%; Rate floor = 4.00%
As low as; Variable rate, adjusted quarterly
Local housing and income figures that shape how much equity Springfield, PA homeowners can borrow against. Source: U.S. Census Bureau & FHFA.
Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.
Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV) — the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80–85%. Using the statewide median home value of $254,500, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:
| Mortgage Stage | Still Owed | Equity Held | Est. You Could Borrow |
|---|---|---|---|
| Earlier in repayment | $178,150 | $76,350 | $38,175 |
| Roughly halfway through | $139,975 | $114,525 | $76,350 |
| Well into repayment | $101,800 | $152,700 | $114,525 |
The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income — the local median household income is $77,971 — before issuing a final offer.
Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.
Compare local Springfield, PA home equity quotes against the statewide average
Daily HELOC and home equity loan averages tracked across our database of verified rate quotes — updated every evening.
Pennsylvania HELOC rates rose 0.021 points over the past 7 days to 6.611%.
Pennsylvania home equity loan rates rose 0.012 points over the past 7 days to 6.359%.
Where are Pennsylvania HELOC and home equity loan rates headed through August 2027?
HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.
Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.
| Scenario | HELOC Rate | HELOC Mo. Interest | HE Loan Rate | HE Loan Mo. P&I |
|---|---|---|---|---|
| Today (PA avg) | 6.611% | $275 | 6.359% | $432 |
| 6-Month Forecast | 6.611% | $275 | 6.359% | $432 |
| 12-Month Forecast | 6.361% (6.11–6.56%) | $265 (-$10) | 5.959% (5.61–6.26%) | $421 (-$11) |
Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.
| Feature | Home Equity Loan | HELOC |
|---|---|---|
| Rate Type | Fixed for life of loan | Variable (prime + margin) |
| Payout | Lump sum at closing | Draw as needed, up to limit |
| Term | 5-30 years | 10-yr draw + 20-yr repay (typical) |
| Payment | Fixed P&I from month one | Interest-only during draw (usually) |
| Closing Costs | Typically 2-5% of loan | Often $0 (promos common) |
| Best For | Specific large expense, payment certainty | Ongoing access, flexible borrowing |
Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC — Key Differences, Pros and Cons
Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.
Defaults to your estimated borrowing limit — edit to model a smaller loan.
Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Springfield, Pennsylvania home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for Springfield, Pennsylvania directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in Springfield, Pennsylvania. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from Pennsylvania borrowers.
Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders — regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a Springfield, Pennsylvania homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.
A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, Sharon Bank is listing its Home Equity Loan at 5.00%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, Sun East Federal Credit Union is listing its Home Equity Line of Credit at 5.75%. For Springfield, Pennsylvania borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.
Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a Springfield, Pennsylvania homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.
HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a Springfield, Pennsylvania borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.
Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For Springfield, Pennsylvania borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.