Home Equity Loans
"I have big plans for the future, but I need a little friendly financing to turn them into reality."
New member? Apply here
Apply through online banking
Worked hard on your home? It's about to return the favor.
Fix your roof or finish your basement. Add a big master bedroom or backyard deck. Home equity loans from Clearview can be used for all sorts of remodeling projects. But this low-cost financing can also cover life's other major costs. So pay for your kid's college tuition, furnish the family room, shop for a car, or simply buy some peace of mind by consolidating your other debts.- Minimum loan amount of $10,000*
- Borrow up to 90% of the appraised value of your home in Pennsylvania, minus what you owe on your mortgage
- Receive funds in a lump sum
- Repayment plans range from 5 to 20 years
- Fixed interest rates mean monthly payments won't change over the life of the loan
- $200 closing cost rebate available**
What's included?
- Low fixed rates
- Closing cost rebates
- Flexible loan term options
6.84% APR*
Put your house to work with a home equity loan
*Rates as low as
View ratesOpens home equity rates page
*Rates as low as
Key things to consider before you apply for a home equity loan
What is a home equity loan?
A home equity loan (also referred to as a HELOAN) is an installment loan that’s secured by the paid value of your home. With a home equity loan, homeowners can borrow up to a percentage of their home’s market value, minus the amount currently owed on their mortgage. Home equity loans generally have better interest rates due to your home being used as collateral. Funds are offered as a single lump sum payment with a fixed interest rate and repayment terms up to 20 years.How much equity is in my home?
Before you apply for a home equity loan, you should get an idea of the amount of equity available in your home. Review your most recent mortgage statement and locate the remaining balance. Subtract the amount owed from your house's market value and the result will give you an estimate of your equity. Try using our home equity calculator to help calculate this number.What are the advantages of a credit union home equity loan?
A credit union home equity loans can be offered at lower interest rates and greater flexibility in payment terms. This is because credit unions are non-profit and don’t have shareholders in contrast to most larger financial institutions. At Clearview, we build relationships with our members. Our vision is to help you enjoy a better life when you apply for a home equity loan.
* Home Equity Loans are available in all states except Alaska, Hawaii and Texas.
** Closing cost amount will be rebated after you finance a minimum of $10,000 in a new Clearview Home Equity Loan or Clearview Home Equity Line of Credit, or borrow a minimum of an additional $10,000 on an existing Clearview Home Equity Loan or Clearview Line of Credit
** Closing cost amount will be rebated after you finance a minimum of $10,000 in a new Clearview Home Equity Loan or Clearview Home Equity Line of Credit, or borrow a minimum of an additional $10,000 on an existing Clearview Home Equity Loan or Clearview Line of Credit
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Looking to speak with someone about home equity? Complete the below form and we'll be in touch!
Still have questions about Home Equity Loans?
Our goal is to provide members with a loan decision within 24 hours after the application is received. Many times an answer can be given on the spot.
For current Clearview members, check the “My offers” section within digital banking to see if you’ve been pre-approved. You can apply using this feature or through digital banking by selecting Add Product. You can also apply by starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.
For new members, you can apply by using our online application, starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.
Once an application is completed, it’s either sent to underwriting for review, or for closing if it has been pre-approved or instant approved.
For new members, you can apply by using our online application, starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.
Once an application is completed, it’s either sent to underwriting for review, or for closing if it has been pre-approved or instant approved.
Please have this information ready about the covered person:
- Full name
- Date of birth
- Address
- Date of event
- Cause of event
You can start the process online at securian.com/benefits and following the steps below.
- Select the “bank, credit union, finance company, mortgage company” button
- Click on “Start a new claim”
- Once the claim is received, it will be reviewed and you will be notified if it is approved, denied, or if more information is needed
- Please continue making the loan payments until a claim decision is communicated to you
- Once you’ve reported a claim, access your claim information and status at securian.com/benefits
Yes, our Loss of Life protection is available on most consumer loans for just pennies a day up to a maximum of $100,000. Mortgages are excluded. Credit card balances can also be protected up to $100,000.
If you're unable to use any other methods to make a payment to your loan or credit card, please send payments to the following addresses:
- Credit cards: Clearview Federal Credit Union, PO Box 71050, Charlotte, NC 28272-1050
- Loan or deposit address: Clearview Federal Credit Union, ATTN: Payment Processing, 8805 University Blvd, Moon Twp, PA 15108-2580.
Clearview offers competitive rates and flexible repayment terms. View our current home equity rates and terms.
You're a member of Clearview when you open a savings account with just $10. Membership is open to is open to those who live, work, worship, attend school, or volunteer within our 10 county Western Pennsylvania footprint. You may also qualify if you are an immediate family member or share a residence with a current Clearview member. Once you’ve joined Clearview, you may remain a member for life, even if you move!
If you're not currently a member and are approved for a loan, your general membership is built in to that process. Learn more about eligibility and benefits.
If you're not currently a member and are approved for a loan, your general membership is built in to that process. Learn more about eligibility and benefits.
We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. Under Personal Information, type your new email address in the Email section and click the Update button. You can also call us at 1-800-926-0003 and we'll make this change for you.
You can start the process over the phone by calling the claim contact center at 1-800-328-9442.
- Once the claim is received, it will be reviewed and you will be notified if it is approved, denied or if more information is needed
- Please continue making the loan payments until a claim decision is communicated to you
- Once you’ve reported a claim, access your claim information and status at securian.com/benefits
Claim status can be found at securian.com/benefits or by calling us at 1-800-328-9442 Monday – Friday 7 a.m. to 6 p.m. CST.
Call our Care Center at 1-800-926-0003 to make your payment from your debit card or checking account at another financial institution to your Clearview loan or credit card. There's a service fee per transaction. You can avoid this fee by making a payment within digital banking. Learn more about your repayment options.
Following the appropriate waiting period, a mortgage will be recorded against the property naming Clearview as the lender. This process can take some time depending on the county, but the process usually happens within 90 days.
Clearview will never send you letters that don't include our logo and are for a specific business purpose, such as a statement. Because the mortgage filing is a public record, third party sources may pay for certain data and solicit you for services they provide. If you have any questions about the legitimacy of the document, feel free to reach out to us at 1-800-926-0003. Normally, though, these letters are an attempt to have you respond to some offer of service that the company sells. If they don't specifically say they're from Clearview, they likely aren't. One key way of knowing that they are not from Clearview is that these letters commonly refer to Clearview as the lender rather than containing our logo.
