FIGFCU Home Equity Loans and Home Equity Lines of Credit
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Farmers Insurance Federal Credit Union

Routing Number: 322077795

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Home Equity Loans

Unlock Your Home's Potential

Use promo code NMHELOC at signup. Thanks for joining the family!

Rates as low as
6.99% APR

Affordable options.

Borrow up to
100% of equity

Get what you need.

Apply for up to
$750,000

Consolidate debts.

APPLY TODAY

You worked hard to get your home. Now let your home work hard for you with a Home Equity loan or Home Equity Line of Credit (HELOC). You can borrow up to 100% of your home’s equity to help pay for home improvements, to consolidate your debts at an affordable rate, pay for education expenses, it’s up to you. As an added bonus, your loan interest may be tax deductible.

While many banks have made getting a home equity loan more challenging—we've made it easier with even better rates. Sign up with Direct Deposit, and you can get a home equity loan rate as low as 6.99% APR†

Disclosures

Fixed Rate Home Equity Loans
  • Borrow up to 100% of your Home’s equity
    • 80% LTV for Texas residents
  • Loans up to $750,000
  • Terms up to 240 months
  • Rates as low as 6.99% APR
  • 80/20 for Purchases (with CMF only)
  • Available on primary residences up to 4 units (only 1 unit in Texas)
  • Available in all states except AL, AK, FL, HI, and LA
  • Manufactured Homes are not available

APPLY TODAY

Home Equity Line of Credit (HELOC)
  • Borrow up to 100% of your Home’s equity
  • Apply for up to $750,000
  • Rates as low as 7.49% APR
  • Available on primary residences up to 4 units
  • 80% LTV Max for Purchases
  • Available in all states except AL, AK, FL, HI, LA, and TX
  • Manufactured Homes are not available

APPLY TODAY

Demand for Payoff: When you’re ready to pay off your loan, email or fax your Demand with Borrower Authorization to 323.209.6736. You should receive a response within 48 hours. 

APR = Annual Percentage Rate. APR is the annual rate of interest that is paid on an investment, without taking into account the compounding interest within that year. Rates are subject to change at anytime.

† 1.00% rate discount is for a minimum of $1,000 monthly ACH Direct Deposit or Agent Net Check into a Farmers Insurance Federal Credit Union Checking Account and Automatic Payment/Folio Deduction as a repayment method to qualify. Rates are subject to change at anytime.

There is a $500 refinance fee for Home Equity Loans booked within the last 12 months, unless $20,000 new cash is added to the loan request.

Subordination Requirements 
Email or fax your Subordination Requirements Request form to 323.209.6736.

Demand for Payoff
When you’re ready to pay off your loan, email or fax your Demand with Borrower Authorization to 323.209.6736. You should receive a response within 48 hours.