Democracy Federal Credit Union

Deposit Rates - April 14, 2026

Featured Home Equity Rates

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Point Digital Finance NMLS ID: 1610752 / Updated 2026-04-14

  Unlock your home equity. Build your future.

  $0

  Get up to $600k. Funding in as few as 5 days. Flexible rate with up to a 30 year term. Fast & Easy Online Application Learn More

• Achieve Loans NMLS ID: 1810501 / Updated 2026-04-09

  Intro APR: 6.375 % After Intro:6.375 %

  $0

  Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600 Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-03-20 Equal Housing Lender

  Intro APR: 6.750 % After Intro:6.750 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• Owning.com NMLS ID: 2611 / Updated 2026-04-10 Equal Housing Lender

  Intro APR: 6.839 % After Intro:6.839 %

  $25,000

  Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. Learn More

• Rate.com NMLS ID: 2611 / Updated 2026-04-10 Equal Housing Lender

  Intro APR: 6.842 % After Intro:6.842 %

  $25,000

  Nation's #2 retail mortgage lender in 2024. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. No in-person appraisal needed. Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Evolve to Excel: We need to adapt and improve to succeed Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-14

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-04-14 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• Refi.com NMLS ID: 1907 / Updated 2026-04-14 Equal Housing Lender

  Access your home’s equity without replacing your current mortgage

  $0

  Access your home’s equity without replacing your current mortgage Put your home’s equity to work on your terms Flexible funds for renovations, debt consolidation, or major expenses Refi.com connects you with home equity lending specialists Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-04-14

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2026-04-14

  The leader for homeowners tapping cash from their homes since 2016.

  $0

  Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2026-04-14

  Get up to $600k with no monthly payments, ever.

  $0

  Use your funds your way No income verification - ideal for self-employment or retirement planning Enjoy maximum flexibility - 30 year term, no prepayment penalties Home Equity Investments are not considered a loan in all states Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-04-14

  Unlock Your Home's Potential

  $0

  Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans Learn More

• Renofi NMLS ID: 1802847 / Updated 2026-04-14

  Renovating? Work with experts in renovation financing

  $0

  Renovating? Work with experts in renovation financing Borrow up to 125% on your current home value to finance renovations Loans up to $750k with competitive rates from Credit Unions Borrow more than a typical HELOC Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Refi.com NMLS ID: 1907

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance Learn More

• District Lending NMLS ID: 1835285

  5.635%

  $1,817 Fees & Points $4,800 Total 1.000 Pts ($3,200) $1,600 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Optimum First Inc NMLS ID: 240415

  5.766%

  $1,843 Fees & Points $4,971 Total 0.930 Pts ($2,976) $1,995 Fees

  On-time closing guarantee Direct contact with your loan officer throughout Single point of contact 7 days a week Learn More

• Mortgage Lending Group LLC NMLS ID: 1157983 License#: 1157983

  5.842%

  $1,868 Fees & Points $3,200 Total 0.500 Pts ($1,600) $1,600 Fees

  See today’s rates in seconds—no hassle, no pressure. Your home. Your rate. Your fastest path to approval. Tap for live rates—mortgages made simple. Learn More

• Reliant Home Funding, Inc. NMLS ID: 292473

  5.876%

  $1,868 Fees & Points $4,417 Total 0.757 Pts ($2,422) $1,995 Fees

  Relationships Rule: Transactions end, Relationships remain Accountability is Personal: Reflection before Projection Service through Knowledge: Great service means great understanding Learn More

• Basis Lending, LLC NMLS ID: 2463124

  5.915%

  $1,868 Fees & Points $5,914 Total 0.750 Pts ($2,400) $3,515 Fees

  Let our Licensed Experts help you make the best decisions possible. Learn More

• iheartloan Inc. NMLS ID: 2562839

  5.949%

  $1,868 Fees & Points $6,968 Total 0.500 Pts ($1,600) $5,368 Fees

  Where Heart Meets Home Superior Rates, Unmatched Service Learn More

• Farmers Bank of Kansas City NMLS ID: 613839

  5.950%

  $1,893 Fees & Points $2,613 Total 0.568 Pts ($1,818) $795 Fees

  Competitive rates. Surprisingly smooth process. Learn More

• Pure Rate Mortgage NMLS ID: 2578474

  5.968%

  $1,893 Fees & Points $3,210 Total 0.675 Pts ($2,160) $1,050 Fees

  Pure Rate equals Pure Savings We provide real-time access to premier wholesale lenders Delivering wholesale pricing instantly Learn More

• Infinity Mortgage Group NMLS ID: 35972 License#: NMLS 35972

  5.986%

  $1,893 Fees & Points $3,894 Total 0.875 Pts ($2,800) $1,094 Fees

  Get a free pre-approval letter to buy your new home Easy online application for your convenience A wide variety of mortgage programs to meet your unique situation. Learn More

• Midwest Mortgage Lending NMLS ID: 2262032 License#: CL-2262032

  5.997%

  $1,893 Fees & Points $4,250 Total 0.500 Pts ($1,600) $2,650 Fees

  live rates online at midwestmrtg.com Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.029%

  $1,868 Fees & Points $9,789 Total 0.934 Pts ($2,989) $6,800 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• Refi.com NMLS ID: 1907

  6.054%

  $1,917 Fees & Points $2,202 Total 0.688 Pts ($2,202) $0 Fees

  Lower your monthly mortgage payment with a streamlined refinance Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Learn More

• West Capital Lending NMLS ID: 1566096

  6.108%

  $1,917 Fees & Points $4,047 Total 0.860 Pts ($2,752) $1,295 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• Northpointe Bank NMLS ID: 447490

  6.111%

  $1,917 Fees & Points $4,157 Total 0.863 Pts ($2,762) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• PenFed Credit Union NMLS ID: 401822

  6.151%

  $1,919 Fees & Points $5,195 Total 1.000 Pts ($3,200) $1,995 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• Sammamish Mortgage Company NMLS ID: 118653 License#: CL-118653

  6.196%

  $1,945 Fees & Points $2,805 Total 0.755 Pts ($2,416) $389 Fees

  Underwritten Pre-approvals - Close in 3 week or less Learn More

• Sage Home Loan Corporation NMLS ID: 3304

  6.225%

  $1,945 Fees & Points $3,404 Total 0.597 Pts ($1,910) $1,494 Fees

  Your Stress-Free Pathway Learn More

• Better.com NMLS ID: 330511

  6.232%

  $1,945 Fees & Points $3,648 Total 0.829 Pts ($2,653) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• DECO Mortgage NMLS ID: 2561451

  6.244%

  $1,945 Fees & Points $4,220 Total 0.762 Pts ($2,438) $1,782 Fees

  $0 Lender Fee. Never pay lender fee's with Deco! Same Day Pre-Qualification (As fast as 30 minutes). Single Point of Contact: Paired with your own mortgage professional. Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.323%

  $1,971 Fees & Points $2,461 Total 0.769 Pts ($2,461) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

• New American Funding, LLC. NMLS ID: 6606

  6.462%

  $1,997 Fees & Points $2,912 Total 0.910 Pts ($2,912) $0 Fees

  Direct Lender offering low rates, fast closings, and impeccable service FHA, VA, Conventional, HARP, Jumbo and Reverse Mortgage All-inclusive Direct Lender – no broker fees Learn More

• SoFi NMLS ID: 696891

  6.513%

  $1,997 Fees & Points $4,644 Total 0.984 Pts ($3,149) $1,495 Fees

  Get pre-qualified in minutes Simple, online application Customize your monthly payment to fit your budget Learn More

• Rocket Mortgage NMLS ID: 3030

  Fees & Points Total Pts ($0) $0 Fees

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 License#: CL-1168

  Fees & Points Total Pts ($0) $0 Fees

  Low rates, quick quote & approval 92% of clients discover savings in Real savings, real fast - $1100 avg monthly savings Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Refinance to lower your rate Free up room in your budget by paying off high-interest debt Explore 350,000+ 5-star reviews Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Your home's value could help you save. Turn your equity into opportunity. Calculate your home equity loan options with lenders. Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Overview 2026

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