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Most people know that it makes good economic sense to refinance your mortgage if you can find a lower rate. But did you know it also makes sense to refinance your home equity line? In fact, last year alone over six million people refinanced their equity lines.

At Third Federal, we try to provide the lowest rates possible on home equity lines of credit. Usually, our rates are about .50% below the market average. This saves the average customer about $5,000* over the life of their line of credit. And because we never charge closing costs or prepayment penalties, thousands of people refinance their equity lines with Third Federal every year!

It’s easy to refinance your line of credit with Third Federal. Just let us know that you want to refinance your existing line of credit when you apply and we’ll take care of the rest. You don’t even have to contact your current lender—we’ll verify your line balances and arrange to pay it off with them for you.

Rates for October 26, 2020
Cuyahoga County, Ohio
All Mortgage Rates 0 Points
Product Rate APR
Home Equity Line of Credit 2.99% 2.99%
Product Rate APR
5 Year Home Equity Loan 3.29% 3.29%
10 Year Home Equity Loan 3.59% 3.59%
5/1 Home Equity Loan 3.79% 3.44%
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Home Equity

With rates near an all-time low, a home equity line or loan is a great option if you’re looking to make a home improvement, buy a car, pay for college tuition, or consolidate high-interest debt, plus our rates are usually at least .25 percent below other lenders.

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Borrowing Help Center

Get tips on smart borrowing, monitor rates, and learn about our home buying seminars.