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Home Equity Loans

Need extra cash?  Look no further than your own home!  You can use the equity in your home to finance significant expenses such as major home repairs or home improvements, tuition, vehicles, a wedding or graduation, or even your next vacation!  A home equity loan from PCFCU can be an ideal resource for you, and it comes with two great benefits.  First, since the equity in your home serves as collateral on your loan, you get a competitive interest rate with affordable payments.  Secondly, the interest paid on your home equity loan may be tax deductible!  We recommend that members consult their tax advisors for specific details on home equity loan-related tax deductions.

At PCFCU, we offer two types of home equity loans:

  • Home Equity Term Loan featuring a fixed interest rate.  Learn more
  • Home Equity Line of Credit featuring a variable interest rate. This line of credit provides greater flexibility to you because funds are made available based on certain criteria, and you decide the circumstance and timing for using it.  Learn more

There are no annual fees attached to PCFCU home equity loans.  Payments for either loan type can be made through automatic payment from a deposit account, through payroll deduction, or by mail using our loan coupon booklet. Members may also elect to purchase Credit Life Insurance or Credit Disability Insurance for additional protection.  Consult a PCFCU Lending Representative for specific details.


Click here to process your on-line Loan application. 

Click here to print your Loan Application.  Please mail or fax your completed application to 724-934-0952.

Click here to print your Change of Address Form

Questions about a PCFCU Home Equity Loan?  Contact our Lending Department at or by phone at 1-800-462-1711, option 3.


Two great loan options ... so close to home.  Apply today!

*APR = Annual Percentage Rate. Home Equity Loan Promotion: Lowest rate based on credit score. Maximum term 5 years. No discount for automatic deduction.Refinancing existing PCFCU loans DOES NOT qualify. Other rates and terms are available. Loan applications are subject to normal underwriting standards. Offer may be withdrawn at anytime. Federally insured by the NCUA.