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Home Equity Loan

Need cash to consolidate debt, make improvements on your home, buy a car, or take care of other financial obligations? Turn the equity in your home into cash with a home equity loan. Upon acceptance you get a lump sum of money that is repayable over a fixed term, with a secure, locked-in rate, and a consistent monthly payment.

  • No closing costs up to $150,0001
  • Rates as low as 6.50% APR1 Fixed

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See current rates and terms here


Loans and terms subject to credit approval. 1. Annual Percentage Rate (APR) effective as of 03/08/2023. Rates are subject to change without notice. New Sandia Area loans only. Annual Percentage Rate (APR) on approved credit. Rates are based on an evaluation of credit history and lien position. "As low as" rate assumes excellent credit history. Your rate may differ. Closed End Home Equity Loan is a fixed rate loan. Maximum loan amount is $200,000 and maximum LTV is 80%. Closing costs associated with this product are waived for loans up to $150,000 in Greater Albuquerque and surrounding area on their primary residences with clean title history. Loans over $150,000 or outside of Greater Albuquerque and surrounding area are subject to cost of property appraisal, flood certification, recording fees, and title insurance, which generally range from $1,467 to $1,600. Borrower is responsible for homeowners insurance and, if required, flood insurance. 

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