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Banking

Real estate loans

Mortgage loans

Fixed rated — We have a variety of fixed-rate, long-term mortgage products available through Midwest Loan Services. Midwest will work with you through your entire loan process – from application through settlement. These loans must meet secondary market requirements.


Adjustable rate mortgages (ARMs) — We have a variety of adjustable rate mortgages available, including a 5/1 ARM, 5/5 ARM, 7/1 ARM and 10/10 ARM. Interest rates are indexed off of Wall Street Journal Prime and are based on credit worthiness.


Home equity loans

Standard home equity — Everence Federal Credit Union offers a standard home equity loan at a fixed rate for five or 10 years, with rates based on credit worthiness.


Home equity lines of credit

Fixed rated — Up to 90 percent of the value of your property, depending on credit score and amount of the loan. (Available with a four-year draw period).


Adjustable rate — Up to 90 percent of the value of your property, depending on credit score and amount of the loan. (Available with a ten-year draw period).

  • To apply: To apply for a Everence Federal Credit Union home equity line of credit, go to our secure online application.