Fixed Rate Home Equity


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New Century offers three different fixed term, fixed rate Home Equity Loans based upon the equity in your home. Loans from $5,100 to $150,000 can be obtained using your home as security.

New Century's FR (Fixed Rate) Home Equity Loans give you the choice of terms at diferent rates. Pick a term of:

  • up to 60 months (5 years)
  • up to 120 months (10 years)
  • up to 180 months (15 years)

Whatever option works into your repayment plans, remember your fixed rate doesn't change, and the interest paid may be tax deductible so check with your tax consultant.

Fees for establishing any Home Equity Loan will be collected at the time of application if necessary. They are Title Search, Appraisal Fee, Title Insurance, and Recording Fees. Credit Life and Credit Disability Insurance are available at a reasonable cost. There are no application fees or maintenance fees, and there are no pre-payment penalties.

For whatever your purpose, (consolidation, home improvement, or maybe that special dream vacation), New Century has the Home Equity loan for you. Call any office for our current rates and any questions that you may have.

To see the current rates for our Fixed Rate Home Equity Loan.


It is also possible to set up your loan to be paid automatically by a payroll deductionInformationPayroll Deduction With payroll deduction, you can make your loan payments automatically or deposit money into your savings, checking or any of your other accounts at New Century. You can even deposit funds into your spouse's or children's accounts. You choose how to distribute the money and it is done automatically. Contact your payroll or human resources person, or stop in to one of our locations and speak to one of the tellers at New Century. . if you wish.

If you would like to find out an estimate of your payments use our loan calculator.


Available to Qualified Applicants Only


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