Leverage the value you've been building

If you're faced with a large important purchase, you're determined to consolidate your debt by your target date, or you just see an opportunity to refinance your mortgage for a better rate or shorter term, a GOLD Home Equity may be for you. This is a secured loan that uses your primary residence as collateral. You'll get a low fixed rate and an affordable monthly payment that will never increase.

Our Members often use their loan for debt consolidation, college tuition payments, or home renovations. Whatever your plan, we’re here to advise you on what makes sense as long-term versus short-term debt and can help you decide if a GOLD Home Equity Loan is the best option for you.

With GOLD, you'll receive a single lump sum when you sign on your loan to use toward whatever big purchase(s) you have on the horizon. Your payments on the loan are fixed for the life of the loan so that you can budget effectively.

  • Competitive rates
  • Fixed monthly payment
  • Choice of rates with terms up to 20 years (240 months)
  • No prepayment penalties
  • No application or annual fees
  • Low or no mortgage recording fee
  • Tax-deductible interest*
  • Optional Credit Life and Disability Insurance available to protect you and your family

View our current loan rates and fee schedule.

Properties must be owner-occupied, deeded in the borrower's name(s), located in Pennsylvania and classified as a one-to-four-family dwelling.

*The interest you pay may be tax-deductible. Consult your tax advisor.
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Learn about HELOC

Looking to cover expenses as they come up? Check out our Home Equity Lines of Credit (HELOC) to get the funds you need, when you need them.

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Always be prepared

Protect your family's financial security. We know you believe in planning ahead — even when it involves thinking about worst-case scenarios. Our Credit Life and Disability Insurance policies are all about bringing you peace of mind. Protect your home and your family's financial future by requesting credit insurance on your GOLD Home Equity Loan.

Ready to get started with your Home Equity Loan?

Questions? Speak with our Loan Department by calling 484-223-4216.

Apply for a Home Equity Loan

You are now leaving GOLD Credit Union's website. This site is provided with the sole intent of providing helpful and convenient information for our members. We recommend that you consult the privacy disclosure on all websites before continuing. GOLD Credit Union is not responsible for any content on any other website, and does not represent either the third party or you, the member, if you enter into a transaction.

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