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Affected by Hurricane Harvey, Irma, Maria or the California wildfires? Lafayette Federal is here for you. Learn more about how we can help! X
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Serving members worldwide since 1935.


  • Home Equity Loans and Lines of Credit Available
  • Amounts up to $500,000
  • Fixed and adjustable rate options

Using your equity as collateral, you can borrow at great low rates!

Apply Now

We make the process easy.

Home Equity Loans

Already own your home? It's time to put your equity to work! Your equity is determined by subtracting your mortgage balance from your home's appraised value. This can add up to a lot of cash. Make additions to your home, consolidate bills, pay college tuition, take a family vacation, or if you just want a safety net—the possibilities are endless.

Using your equity as collateral you can borrow at great low rates. We offer fixed and adjustable rate home equity loans or lines of credit and we'll lend up to $500,000.

To obtain rates, payments, closing costs and to complete an online application, apply today. After you have applied, a representative from our lending department will be in touch with you, and you can decide together on the right home equity option for you.

Equity Builder Loan

The Equity Builder Loan* is our portfolio Adjustable Rate Mortgage (ARM) loan product. This product was developed in 1988 and remains our #1 mortgage product. The design of this product allows members to obtain up to 100% financing and up to 40-years to repay with one simple product. How and why would we do this? That’s easy … we designed the product to fit any members financial needs.

Have questions? Just ask.
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*The Equity Builder loan uses the Credit Union’s cost of funds as its index and the interest rate cannot go up or down more than 1% per adjustment for the 1/1 ARM product and 2% for the 3/3 ARM and 5/5 ARM. Escrow for taxes and insurance is required. Borrowers must meet eligibility requirements to join the credit union. Not all applicants will qualify. Other programs and terms available. This offer is subject to change and can be discontinued without notice.
  • Debit Card Transaction

    Stop carrying around cash and upgrade to a Mastercard® Credit Card.

    Safe, convenient, customizable

  • First Trust Mortgages

    If you're buying a home or just looking to refinance and lower your rate, you’ll enjoy a quick and easy process.

    Rates as low as 3.043% APR*

  • Investment Services

    Learn about Lafayette Investment Services and Retirement Solutions, through CUSO Financial Services, L.P.*

    Access your investment portfolio