HELOC Rates in Baltimore, MD

Tap into your home’s equity with competitive rates and flexible payment options.

 
 

Home Equity Lines of Credit Rates

HOME EQUITY LINE OF CREDIT
 INTRODUCTORY APR FOR 12 MONTHS: 6.49 APR*
TERM APR* FLOOR RATE
80% LTV** Prime Rate + 0.00%, as low as 8.50% 3.00%
90% LTV** Prime Rate + 0.25%, as low as 8.75% 3.25%
Jumbo (Over $200K) Max 80% LTV** Prime Rate + 1.00%, as low as 9.50% 4.00%

*APR=Annual Percentage Rate. The initial rate for the Introductory Rate Home Equity Line of Credit is a fixed rate for 12 months and not based on the index and margin used for the subsequent rate adjustments. For new loans only.
** Rates are determined by an evaluation of the applicant’s credit and loan-to-value (LTV). Your actual rate may vary. Down payment may be required. Property and flood insurance may be required. Maximum rate is 18% APR.
 Rates can change monthly and are based on the Prime Rate as published in the Wall Street Journal on the 25th of the month.

 

★★★★★

"I've always had a very good experience for over three decades."

– Judy B., Baltimore, MD

 

Learn More About Our Baltimore HELOC Interest Rates

 
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Home Equity Line of Credit (HELOC) FAQs

  • What can I use a home equity line of credit for?

    Maximize the flexibility of your HELOC for your everchanging needs, such as home improvements, debt consolidation, vacations, weddings, medical bills, car repairs, and handling unexpected expenses. Whether it's renovating your space or consolidating high-interest debts, this versatile loan is here to support your goals.

     

  • How much can I borrow?
    JHFCU will lend up to 90% of the value of your home, minus your first mortgage, with a minimum credit line of $20,000.
  • What rate will I get for my HELOC?

    The rate you get will be based on your credit score, loan-to-value (LTV) ratio and current market rates. HELOC rates may change each month based on the Prime Rate shown in the Wall Street Journal.

  • How can I make my JHFCU HELOC payments each month?

    There are many options for making a payment when you get a HELOC from JHFCU:

    Online Transfer: Set up a recurring transfer or make a one-time transfer online from your checking, savings, or another transactional account to your mortgage account. Payments are credited and account balances are updated immediately. 

    JHFCU TeleBranch 24: Transfer your payment from a JHFCU account to your mortgage; just use your loan suffix number (EX: XXXXXXXXX-XX.)

    Pay Online from an Outside Bank: Set up JHFCU as a payee using your 9-digit JHFCU Account number - 2-digit loan suffix number (EX: XXXXXXXXX-XX.) 

    Pay by Check at a Branch or via Mail

    Pay by Transfer In-Person

    NOTE: When setting up Online Bill Payment from an outside account, use JHFCU’s main address, 2027 E Monument St, Baltimore, MD 21205
  • Do I need to be a member of Johns Hopkins Federal Credit Union to get a HELOC?

    Yes, you'll need to become a member first. Joining is quick and easy, learn more here!

    Then you'll be set to use your loan funds while enjoying all the benefits of credit union membership, like great rates and friendly, local service.

 

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