Great Rates and Terms on RTN Home Loans Icon

Great Rates and Terms on RTN Home Loans


As of September 26, 2022

Ready Line Home Equity Line of Credit (HELOC)

Borrow between $20,000-$250,000

This variable rate is 0.50% less than the prime lending for the life of the loan.

Home Sweet Home
Home Equity Line of Credit (HELOC)

Borrow between $25,000-$250,000

Available for members who have their first mortgage with RTN or have no first mortgage outstanding.

Home Equity Loans

Borrow between $5,000-$250,000 for home equity loans and between $5,000 to $250,000 for home improvement loans

*APR=Annual Percentage Rate

Download an RTN Home Equity Rate Sheet

Terms and Conditions

Ready Line HELOCs

  • Variable rate is subject to change monthly at 0.50% less than the prime lending rate as listed in The Wall Street Journal on the statement cycle date. The minimum rate is 4%; the maximum rate is 18%. Draw period for the first 10 years requires interest-only monthly payments. For other terms and conditions, see our disclosure IMPORTANT TERMS OF OUR READY HOME EQUITY LINE OF CREDIT provided at the time of application. All standard costs paid by RTN except the Registry of Deeds recording charges. Appraisals may be ordered at the member’s expense. Properties eligible for these products are owner-occupied, one- to four-family properties, condominiums and/or second homes and may be withdrawn or changed at any time without notice. Other terms and conditions apply. RTN home equity products are available in Massachusetts, Maine, New Hampshire and Rhode Island.

Home Sweet Home HELOCs

  • 1.99% APR introductory rate valid for six (6) months available by A.) taking a $25,000 minimum advance within seven (7) days of closing and outstanding for six (6) month or B.) paying $250.00 fee at closing. Minimum credit score 640, maximum debt-to-income ratio is 45%, maximum loan to value ratio is 85%. Minimum line of credit is $25,000, maximum line of credit is $250,000. Minimum rate 2.50%. After six (6) months, variable rate is subject to change monthly at 0.50% less than the prime lending rate as listed in The Wall Street Journal on the statement cycle date for the life of the loan. Draw period for the first ten (10) years requires interest only monthly payments. 18% maximum rate. For other terms and conditions, see our disclosure IMPORTANT TERMS OF OUR READY HOME EQUITY LINE OF CREDIT provided at the time of application. Offer may be changed or withdrawn at any time. Member must have a first mortgage with RTN or have no first mortgage with any lender. Available in Massachusetts, Maine, New Hampshire and Rhode Island.

Home Equity Loans

  • Fixed rate reflects a 1% rate discount with direct deposit to an RTN account and automated payment from an RTN FCU account. Payment example: A $1,000 home equity loan at 4.125% rate for 60 months has a monthly payment of $18.47. All standard costs paid by RTN except the Registry of Deeds recording charges. Appraisals may be ordered at the member’s expense. Properties eligible for these products are owner-occupied, one- to four-family properties, condominiums and/or second homes and may be withdrawn or changed at any time without notice. Other terms and conditions apply. RTN home equity products are available in Massachusetts, Maine, New Hampshire and Rhode Island.