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Current Home Equity Loan Rates
NO Points, NO Fees, NO Closing Costs!
The Provident Bank makes it easy for you to select and apply for the right lending product that fits your needs. Click on the links below to see the individual products and rates, or scroll down to see a list of online Provident loan products.
Instant Decision - Once you have chosen the product that is right for you, just click on the "Apply" button to begin completing the Instant Decision Application. It's secure, quick and easy!
Instant Decision - Once you have chosen the product that is right for you, just click on the "Apply" button to begin completing the Instant Decision Application. It's secure, quick and easy!
Annual Percentage Rate (APR) includes a 1/4% rate reduction for automatic payments transferred from a checking account held at The Provident Bank.
*Annual Percentage Rate (APR) shown equates to Prime minus 1.00% and is subject to change without notice. The APR for this product is variable. For the 90-day period following the loan closing, the APR will be Prime minus 1.00%. Afterwards, the APR will be Prime minus .50% for the life of the credit line. Prime equates to the highest Prime Rate as quoted in The Wall Street Journal on the last business day of the prior month; as of 3/18/08, Prime Rate was 5.25% resulting in the advertised APR and a non-promotional APR of 4.75%. Lifetime CAP of 16.5%. The credit line has a 10-year draw period and a 15-year repayment period.
Rates as of Friday, February 3, 2012 |
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| Product Description | Interest Rate | Annual Percentage Rate | Payment per $1,000 | Payments | Apply |
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1st Lien Consumer Mortgage
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| 1st Lien 5 Year Fixed Rate Home Equity Loan | 3.750% | 3.750% | $18.30 | Show Payments and Rates | |
| 1st Lien 10 Year Fixed Rate Home Equity Loan | 3.875% | 3.875% | $10.07 | Show Payments and Rates | |
| 1st Lien 15 Year Fixed Rate Home Equity Loan | 3.990% | 3.990% | $7.39 | Show Payments and Rates | |
| 1st Lien 20 Year Fixed Rate Home Equity Loan | 4.500% | 4.500% | $6.33 | Show Payments and Rates | |
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Fixed Rate Second Mortgage
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| 5 Year Fixed Home Equity Loan | 4.375% | 4.375% | $18.59 | Show Payments and Rates | |
| 10 Year Fixed Home Equity Loan | 4.625% | 4.675% | $10.42 | Show Payments and Rates | |
| 15 Year Fixed Home Equity Loan | 4.750% | 4.750% | $7.78 | Show Payments and Rates | |
| 20 Year Fixed Home Equity Loan | 5.500% | 5.500% | $6.88 | Show Payments and Rates | |
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Investment Property 2nd Mortgage
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| 5 Year Fixed Rate INVESTMENT PROPERTY Home Equity Loan | 6.250% | 6.250% | $19.45 | Show Payments and Rates | |
| 10 Year Fixed Rate INVESTMENT PROPERTY Home Equity Loan | 6.375% | 6.375% | $11.29 | Show Payments and Rates | |
| 15 Year Fixed Rate INVESTMENT PROPERTY Home Equity Loan | 6.750% | 6.750% | $8.85 | Show Payments and Rates | |
| 20 Year Fixed Rate INVESTMENT PROPERTY Home Equity Loan | 7.125% | 7.125% | $7.83 | Show Payments and Rates | |
Rates as of Friday, February 3, 2012 |
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| Product Description | Interest Rate | Annual Percentage Rate | Apply |
| Home Equity Line of Credit* | 3.500% | 3.500% | |
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