Home Equity Loans and Lines of Credit Home equity loans that fit your life House Icon

Is it time to say bye to that kitchen or bathroom? The equity you have built in your home can be used to accomplish all those things and more. A Home Equity Loan or Line of Credit is a type of second mortgage that allows you to use difference between how much you owe on your mortgage and how much your home is worth, or the equity, to pay for life’s big expenses. Liberty First is offering a Home Equity Line of Credit as low as 5.00%  APR*.  Apply today to take advantage of the special low rate!

Feeling comfortable with your Loan Officer is a key step in choosing the right loan. Find the right Liberty First Mortgage Loan Officer now.


  Fixed-Rate Home Equity Loan Home Equity Line Of Credit
Type of Funds: A specific amount of money for when you know exactly what the project will cost. A flexible loan for when expenses will be ongoing and you want access to the money over a period of time.
What to spend it on: Home improvements, new car, debt consolidation, vacation and more. A long-term remodeling project, any larger on-going expenses.
Payment Terms: Pay the same amount every month, with a fixed interest rate, for a specific amount of time. Pay only 1% of the outstanding balance. The rate is variable and is tied to the Wall Street Journal prime rate, plus an interest margin.
Rate: 1 APR as low as 4.250% for 5 years and 4.750% for 10 years Call for details
Estimated Payment 2 $18.53 per thousand for 5 years and $10.48 per thousand for 10 years Call for details
Loan Term: Up to 10 year terms available Up to 20 years


Included with all Liberty First Credit Union Home Equity Loans and Lines of Credit

  Up to 100% Loan to Value options

  Personal guidance from first call to closing

  0.25% rate discount with automatic payments3

  Low application or origination fee

  Liberty First CU servicing for the life of your loan

  Interest may be tax deductible4

Put your home equity to work for you!

Apply Now

Annual Percentage Rate (APR). All rates listed Are our best rates and are simple interest, your rate may be higher based on credit bureau score and credit history. Depending on score and history, a 1% Origination Fee may apply. Add 1% to investment properties.

To calculate your estimated monthly payment amount per $1,000 borrowed, multiply the "EST PAYMENT" times the amount borrowed divided by 1,000). The estimated payment is for the maximum term in each category.  Mortgage Rates are determined by many economic factors and tend to change frequently. For a current rate quote, please call (402) 465-1000.

You must set up and maintain monthly recurring automatic payments from your Liberty First Credit Union checking account for the life of the loan.

Consult your tax advisor.

* Offer subject to credit approval. Rate based on 725+ credit score and 80% Loan To Value (LTV) using your existing equity in your home from appraised value. Promotional APR of 5.00% effective for a one year period. Upon expiration of the 12-month period, rate will be variable equal to the Wall Street Journal published Prime Rate (“index”) then in effect. The index as of 5/1/2019 is 5.50%. The variable rate may change yearly and is subject to a minimum APR of 5.00% and a maximum APR of 16.00%. Fees to open the plan range from $200 To $700. Monthly payment amount is 1% of balance. Home Owners Insurance is required. Consult your tax advisor on deductibility of your interest. For applications received by 6/30/2019. Not valid on loans in process.