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Download the New Wellby App & Enroll in Digital Banking

Be sure you have your existing member information ready to avoid enrollment issues, including your social security number, member number, and the email address and phone number associated with your JSC FCU account. Don’t attempt to enroll more than four times to avoid being locked out.

Home Equity Loans

You’ve invested so much in your home. Why not use it to fund your next big dream?

Unlock the Power of Your Home's Equity

No matter what your next big dream is, a home equity loan is a unique way to attain the funds you need. Sometimes called a second mortgage, a home equity loan allows you to use your home as collateral for a fixed-term loan.

Make Your Equity Work for You

  • With a fixed interest rate, you can have peace of mind in always knowing what to expect for your payments.
  • We know that sometimes plans change. So, our home equity loans have no application fees or prepayment penalties.
  • Gain the security you need by borrowing up to 80% of the loan-to-value.

Your Home Equity Loan is Closer Than You Think

Step 1

Apply online with our easy application.

Step 2

We'll be in touch to let you know if you qualify and discuss the next steps.

Step 3

We'll guide you through the process from start to finish, so you can use your home equity loan to help achieve your next dream.

Loans Tailored for You

Your financial journey is unique to you, and your Wellby loan will be too. We offer a variety of loan term options designed to meet your needs and budget.

Home Equity Loan (1st Lien)

Home Equity Loan (2nd Lien)

Account Type

Home Equity Loan (1st Lien)

TermAnnual Percentage Rate (APR)

Up to 60 months

as low as 3.50%

Up to 120 months

as low as 3.75%

Up to 180 months

as low as 4.00%

Up to 240 months

as low as 4.25%

Ready to get started?

Wellby home equity loans are designed for your unique needs. Use our simple and easy online application to begin.

Home Equity Loan FAQ

Looking to learn more about home equity loans? Take a look at our FAQs!

Learn More

Common Questions

How do I apply for a Wellby home equity loan?
How much can I borrow for a Wellby home equity loan?
Does a Wellby home equity loan come with a fixed or adjustable rate?