Home Equity Rates

Rates are subject to change without notice. Interest rate will be determined by individual creditworthiness.

†Advertised introductory rate of 5.99% is the lowest available and is fixed for the first 12 months. Rate variable based on the Wall Street Journal Prime Rate (Prime) + a margin (determined by individual creditworthiness and loan-to-value ratio), with a floor of 4.00%. APR available for qualifying properties with a loan-to-value (LTV) of 80% or less. Credit Scores of 700+ will receive a margin of -.75%. Credit Scores of 675-699 will receive a margin of -0.25%. Account subject to individual approval. 1-4 family, owner-occupied, primary residence properties only. Property insurance (and flood insurance if applicable) required. New money only. Coastal1 HELOC refis must increase existing line by $30k to qualify and are not eligible for the introductory rate. Rate subject to change without notice. APR will not exceed 21% in RI. APR will not exceed 18% in MA. APR will not fall below 4.00% in either state. $50 annual fee. Reimbursement fee of $250 if you pay off your line within 24 months.  Rate as of 11/7/2025 and subject to change. Equal Housing Lender

*Advertised APR available for qualifying properties with a loan-to-value (LTV) of 80% or less. Advertised APR is lowest available. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Interest rate will be determined by individual creditworthiness and loan-to-value ratio. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only.

**Existing Coastal1 Credit Union Spectrum Home Loans are not eligible for this promotion. 7.375% APR available for qualifying properties, first lien position equity, with a loan-to-value (LTV) of 80% or less, and a maximum repayment period of 144 months. A minimum credit score of 675 is required for all borrowers. Advertised APR is lowest available as of 11/7/2025. Property insurance (and flood insurance if applicable) required. Rate subject to change without notice. Account subject to individual approval. 1-4 family owner-occupied primary residence properties only. Repayment example: $10.48 per $1,000 borrowed, based on 7.375% APR, 144 monthly payments. Equal Housing Lender.

***A refinance of an existing Coastal1 Credit Union home equity loan require an additional $30,000 be borrowed at the time of the refinance.

****Advertised APR available for qualifying properties with a loan-to-value of 80.01% - 100.00%. Single family primary residences only. Account subject to individual approval and interest rate will be determined by individual creditworthiness. Property insurance (and flood insurance, if applicable) required. Maximum loan amount $250,000.00. Advertised APR is the lowest available and rates are subject to change without notice.

*****Variable rate based on Wall Street Journal Prime Rate (“Prime”) + a margin (which is determined by individual credit worthiness), with a floor of 4.00%. APR available for qualifying properties with a loan-to-value of 80.01% - 100.00%. Credit scores of 700+ to receive a margin of +.50%. Single family primary residence only. Account subject to individual approval. Property insurance (and flood insurance, if applicable) required. Maximum loan amount $250,000.00. Advertised APR is the lowest available and rates are subject to change without notice. No annual fee and APR will not exceed 21% for properties located in RI or 18% for properties located in MA. APR will not fall below 4.00% in either state. Rate as of 5/1/2023 and subject to change.

Repayment Examples

• For equity loans: At 7.88% APR, 240 monthly payments of $8.29 per $1,000 borrowed.
• For equity optimizer loans: At 9.13% APR, 240 monthly payments of $9.08 per $1,000 borrowed.