Home Equity Line of Credit product from Black Hills FCU - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the line of credit from Black Hills FCU. You can adjust loan amount, interest rate, and the home equity term to view the impact on the monthly payment amount. The calculator also provides an amortization table to show the amount of principal and interest payments a borrower will make over the life of the line of credit.

Home Equity product from Black Hills FCU

Product Total Termlength: 15 Years
Interest Rate: 8%
Rate change (per year): 0.1%

Monthly Payment: Year 1: $3,096.31, Year 2: $3,134.54, Year 3: $3,172.76, Year 4: $3,210.99, Year 5: $3,249.22, Year 6: $3,287.44, Year 7: $3,325.67, Year 8: $3,363.90, Year 9: $3,402.12, Year 10: $3,440.35, Year 11: $3,478.57, Year 12: $3,516.80, Year 13: $3,555.03, Year 14: $3,593.25, Year 15: $3,631.48,

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
03/14/2025	$320,000.00	$3,096.31	$2,160.00	$936.31
04/14/2025	$319,063.69	$3,096.31	$2,160.00	$936.31
05/14/2025	$318,121.05	$3,096.31	$2,153.68	$942.63
06/14/2025	$317,172.06	$3,096.31	$2,147.32	$949.00
07/14/2025	$316,216.66	$3,096.31	$2,140.91	$955.40
08/14/2025	$315,254.81	$3,096.31	$2,134.46	$961.85
09/14/2025	$314,286.46	$3,096.31	$2,127.97	$968.34
10/14/2025	$313,311.59	$3,096.31	$2,121.43	$974.88
11/14/2025	$312,330.13	$3,096.31	$2,114.85	$981.46
12/14/2025	$311,342.04	$3,096.31	$2,108.23	$988.08
01/14/2026	$310,347.29	$3,096.31	$2,101.56	$994.75
02/14/2026	$309,345.82	$3,096.31	$2,094.84	$1,001.47
03/14/2026	$308,325.14	$3,134.54	$2,113.86	$1,020.68
04/14/2026	$307,297.49	$3,134.54	$2,106.89	$1,027.65
05/14/2026	$306,262.82	$3,134.54	$2,099.87	$1,034.67
06/14/2026	$305,221.08	$3,134.54	$2,092.80	$1,041.74
07/14/2026	$304,172.22	$3,134.54	$2,085.68	$1,048.86
08/14/2026	$303,116.19	$3,134.54	$2,078.51	$1,056.03
09/14/2026	$302,052.94	$3,134.54	$2,071.29	$1,063.24
10/14/2026	$300,982.43	$3,134.54	$2,064.03	$1,070.51
11/14/2026	$299,904.61	$3,134.54	$2,056.71	$1,077.83
12/14/2026	$298,819.42	$3,134.54	$2,049.35	$1,085.19
01/14/2027	$297,726.81	$3,134.54	$2,041.93	$1,092.61
02/14/2027	$296,626.74	$3,134.54	$2,034.47	$1,100.07
03/14/2027	$295,505.64	$3,172.76	$2,051.67	$1,121.10
04/14/2027	$294,376.79	$3,172.76	$2,043.91	$1,128.85
05/14/2027	$293,240.13	$3,172.76	$2,036.11	$1,136.66
06/14/2027	$292,095.61	$3,172.76	$2,028.24	$1,144.52
07/14/2027	$290,943.17	$3,172.76	$2,020.33	$1,152.44
08/14/2027	$289,782.76	$3,172.76	$2,012.36	$1,160.41
09/14/2027	$288,614.33	$3,172.76	$2,004.33	$1,168.43
10/14/2027	$287,437.81	$3,172.76	$1,996.25	$1,176.52
11/14/2027	$286,253.16	$3,172.76	$1,988.11	$1,184.65
12/14/2027	$285,060.31	$3,172.76	$1,979.92	$1,192.85
01/14/2028	$283,859.22	$3,172.76	$1,971.67	$1,201.10
02/14/2028	$282,649.81	$3,172.76	$1,963.36	$1,209.41
03/14/2028	$281,417.37	$3,210.99	$1,978.55	$1,232.44
04/14/2028	$280,176.30	$3,210.99	$1,969.92	$1,241.07
05/14/2028	$278,926.54	$3,210.99	$1,961.23	$1,249.76
06/14/2028	$277,668.04	$3,210.99	$1,952.49	$1,258.51
07/14/2028	$276,400.72	$3,210.99	$1,943.68	$1,267.31
08/14/2028	$275,124.54	$3,210.99	$1,934.81	$1,276.19
09/14/2028	$273,839.42	$3,210.99	$1,925.87	$1,285.12
10/14/2028	$272,545.30	$3,210.99	$1,916.88	$1,294.12
11/14/2028	$271,242.13	$3,210.99	$1,907.82	$1,303.17
12/14/2028	$269,929.83	$3,210.99	$1,898.69	$1,312.30
01/14/2029	$268,608.35	$3,210.99	$1,889.51	$1,321.48
02/14/2029	$267,277.62	$3,210.99	$1,880.26	$1,330.73
03/14/2029	$265,921.62	$3,249.22	$1,893.22	$1,356.00
04/14/2029	$264,556.01	$3,249.22	$1,883.61	$1,365.61
05/14/2029	$263,180.73	$3,249.22	$1,873.94	$1,375.28
06/14/2029	$261,795.71	$3,249.22	$1,864.20	$1,385.02
07/14/2029	$260,400.88	$3,249.22	$1,854.39	$1,394.83
08/14/2029	$258,996.17	$3,249.22	$1,844.51	$1,404.71
09/14/2029	$257,581.51	$3,249.22	$1,834.56	$1,414.66
10/14/2029	$256,156.83	$3,249.22	$1,824.54	$1,424.68
11/14/2029	$254,722.06	$3,249.22	$1,814.44	$1,434.77
12/14/2029	$253,277.12	$3,249.22	$1,804.28	$1,444.94
01/14/2030	$251,821.95	$3,249.22	$1,794.05	$1,455.17
02/14/2030	$250,356.47	$3,249.22	$1,783.74	$1,465.48
03/14/2030	$248,863.25	$3,287.44	$1,794.22	$1,493.22
04/14/2030	$247,359.33	$3,287.44	$1,783.52	$1,503.92
05/14/2030	$245,844.62	$3,287.44	$1,772.74	$1,514.70
06/14/2030	$244,319.07	$3,287.44	$1,761.89	$1,525.56
07/14/2030	$242,782.58	$3,287.44	$1,750.95	$1,536.49
08/14/2030	$241,235.08	$3,287.44	$1,739.94	$1,547.50
09/14/2030	$239,676.48	$3,287.44	$1,728.85	$1,558.59
10/14/2030	$238,106.72	$3,287.44	$1,717.68	$1,569.76
11/14/2030	$236,525.71	$3,287.44	$1,706.43	$1,581.01
12/14/2030	$234,933.37	$3,287.44	$1,695.10	$1,592.34
01/14/2031	$233,329.62	$3,287.44	$1,683.69	$1,603.75
02/14/2031	$231,714.37	$3,287.44	$1,672.20	$1,615.25
03/14/2031	$230,068.63	$3,325.67	$1,679.93	$1,645.74
04/14/2031	$228,410.96	$3,325.67	$1,668.00	$1,657.67
05/14/2031	$226,741.27	$3,325.67	$1,655.98	$1,669.69
06/14/2031	$225,059.47	$3,325.67	$1,643.87	$1,681.80
07/14/2031	$223,365.48	$3,325.67	$1,631.68	$1,693.99
08/14/2031	$221,659.21	$3,325.67	$1,619.40	$1,706.27
09/14/2031	$219,940.57	$3,325.67	$1,607.03	$1,718.64
10/14/2031	$218,209.47	$3,325.67	$1,594.57	$1,731.10
11/14/2031	$216,465.82	$3,325.67	$1,582.02	$1,743.65
12/14/2031	$214,709.53	$3,325.67	$1,569.38	$1,756.29
01/14/2032	$212,940.51	$3,325.67	$1,556.64	$1,769.03
02/14/2032	$211,158.65	$3,325.67	$1,543.82	$1,781.85
03/14/2032	$209,343.26	$3,363.90	$1,548.50	$1,815.40
04/14/2032	$207,514.54	$3,363.90	$1,535.18	$1,828.71
05/14/2032	$205,672.42	$3,363.90	$1,521.77	$1,842.12
06/14/2032	$203,816.79	$3,363.90	$1,508.26	$1,855.63
07/14/2032	$201,947.55	$3,363.90	$1,494.66	$1,869.24
08/14/2032	$200,064.61	$3,363.90	$1,480.95	$1,882.95
09/14/2032	$198,167.85	$3,363.90	$1,467.14	$1,896.75
10/14/2032	$196,257.19	$3,363.90	$1,453.23	$1,910.66
11/14/2032	$194,332.51	$3,363.90	$1,439.22	$1,924.68
12/14/2032	$192,393.72	$3,363.90	$1,425.11	$1,938.79
01/14/2033	$190,440.71	$3,363.90	$1,410.89	$1,953.01
02/14/2033	$188,473.38	$3,363.90	$1,396.57	$1,967.33
03/14/2033	$186,469.11	$3,402.12	$1,397.84	$2,004.28
04/14/2033	$184,449.96	$3,402.12	$1,382.98	$2,019.14
05/14/2033	$182,415.85	$3,402.12	$1,368.00	$2,034.12
06/14/2033	$180,366.64	$3,402.12	$1,352.92	$2,049.20
07/14/2033	$178,302.24	$3,402.12	$1,337.72	$2,064.40
08/14/2033	$176,222.53	$3,402.12	$1,322.41	$2,079.71
09/14/2033	$174,127.39	$3,402.12	$1,306.98	$2,095.14
10/14/2033	$172,016.71	$3,402.12	$1,291.44	$2,110.68
11/14/2033	$169,890.38	$3,402.12	$1,275.79	$2,126.33
12/14/2033	$167,748.28	$3,402.12	$1,260.02	$2,142.10
01/14/2034	$165,590.29	$3,402.12	$1,244.13	$2,157.99
02/14/2034	$163,416.30	$3,402.12	$1,228.13	$2,173.99
03/14/2034	$161,201.57	$3,440.35	$1,225.62	$2,214.73
04/14/2034	$158,970.24	$3,440.35	$1,209.01	$2,231.34
05/14/2034	$156,722.17	$3,440.35	$1,192.28	$2,248.07
06/14/2034	$154,457.24	$3,440.35	$1,175.42	$2,264.93
07/14/2034	$152,175.32	$3,440.35	$1,158.43	$2,281.92
08/14/2034	$149,876.28	$3,440.35	$1,141.31	$2,299.03
09/14/2034	$147,560.01	$3,440.35	$1,124.07	$2,316.28
10/14/2034	$145,226.36	$3,440.35	$1,106.70	$2,333.65
11/14/2034	$142,875.21	$3,440.35	$1,089.20	$2,351.15
12/14/2034	$140,506.43	$3,440.35	$1,071.56	$2,368.78
01/14/2035	$138,119.88	$3,440.35	$1,053.80	$2,386.55
02/14/2035	$135,715.43	$3,440.35	$1,035.90	$2,404.45
03/14/2035	$133,266.03	$3,478.57	$1,029.18	$2,449.40
04/14/2035	$130,798.06	$3,478.57	$1,010.60	$2,467.97
05/14/2035	$128,311.37	$3,478.57	$991.89	$2,486.69
06/14/2035	$125,805.83	$3,478.57	$973.03	$2,505.55
07/14/2035	$123,281.28	$3,478.57	$954.03	$2,524.55
08/14/2035	$120,737.59	$3,478.57	$934.88	$2,543.69
09/14/2035	$118,174.61	$3,478.57	$915.59	$2,562.98
10/14/2035	$115,592.19	$3,478.57	$896.16	$2,582.42
11/14/2035	$112,990.19	$3,478.57	$876.57	$2,602.00
12/14/2035	$110,368.46	$3,478.57	$856.84	$2,621.73
01/14/2036	$107,726.85	$3,478.57	$836.96	$2,641.61
02/14/2036	$105,065.20	$3,478.57	$816.93	$2,661.64
03/14/2036	$102,353.90	$3,516.80	$805.50	$2,711.30
04/14/2036	$99,621.82	$3,516.80	$784.71	$2,732.09
05/14/2036	$96,868.79	$3,516.80	$763.77	$2,753.03
06/14/2036	$94,094.65	$3,516.80	$742.66	$2,774.14
07/14/2036	$91,299.24	$3,516.80	$721.39	$2,795.41
08/14/2036	$88,482.40	$3,516.80	$699.96	$2,816.84
09/14/2036	$85,643.97	$3,516.80	$678.37	$2,838.43
10/14/2036	$82,783.77	$3,516.80	$656.60	$2,860.20
11/14/2036	$79,901.65	$3,516.80	$634.68	$2,882.12
12/14/2036	$76,997.43	$3,516.80	$612.58	$2,904.22
01/14/2037	$74,070.94	$3,516.80	$590.31	$2,926.49
02/14/2037	$71,122.02	$3,516.80	$567.88	$2,948.92
03/14/2037	$68,118.19	$3,555.03	$551.20	$3,003.83
04/14/2037	$65,091.08	$3,555.03	$527.92	$3,027.11
05/14/2037	$62,040.51	$3,555.03	$504.46	$3,050.57
06/14/2037	$58,966.30	$3,555.03	$480.81	$3,074.21
07/14/2037	$55,868.26	$3,555.03	$456.99	$3,098.04
08/14/2037	$52,746.21	$3,555.03	$432.98	$3,122.05
09/14/2037	$49,599.97	$3,555.03	$408.78	$3,146.24
10/14/2037	$46,429.34	$3,555.03	$384.40	$3,170.63
11/14/2037	$43,234.15	$3,555.03	$359.83	$3,195.20
12/14/2037	$40,014.18	$3,555.03	$335.06	$3,219.96
01/14/2038	$36,769.27	$3,555.03	$310.11	$3,244.92
02/14/2038	$33,499.20	$3,555.03	$284.96	$3,270.06
03/14/2038	$30,168.36	$3,593.25	$262.41	$3,330.84
04/14/2038	$26,811.43	$3,593.25	$236.32	$3,356.93
05/14/2038	$23,428.20	$3,593.25	$210.02	$3,383.23
06/14/2038	$20,018.47	$3,593.25	$183.52	$3,409.73
07/14/2038	$16,582.03	$3,593.25	$156.81	$3,436.44
08/14/2038	$13,118.67	$3,593.25	$129.89	$3,463.36
09/14/2038	$9,628.18	$3,593.25	$102.76	$3,490.49
10/14/2038	$6,110.35	$3,593.25	$75.42	$3,517.83
11/14/2038	$2,564.96	$3,593.25	$47.86	$3,545.39
12/14/2038	$-1,008.20	$3,593.25	$20.09	$3,573.16
01/14/2039	$-4,609.35	$3,593.25	$-7.90	$3,601.15
02/14/2039	$-8,238.70	$3,593.25	$-36.11	$3,629.36
03/14/2039	$-11,935.41	$3,631.48	$-65.22	$3,696.70
04/14/2039	$-15,661.37	$3,631.48	$-94.49	$3,725.97
05/14/2039	$-19,416.84	$3,631.48	$-123.99	$3,755.46
06/14/2039	$-23,202.03	$3,631.48	$-153.72	$3,785.19
07/14/2039	$-27,017.19	$3,631.48	$-183.68	$3,815.16
08/14/2039	$-30,862.56	$3,631.48	$-213.89	$3,845.36
09/14/2039	$-34,738.36	$3,631.48	$-244.33	$3,875.81
10/14/2039	$-38,644.85	$3,631.48	$-275.01	$3,906.49
11/14/2039	$-42,582.27	$3,631.48	$-305.94	$3,937.42
12/14/2039	$-46,550.86	$3,631.48	$-337.11	$3,968.59
01/14/2040	$-50,550.86	$3,631.48	$-368.53	$4,000.01
02/14/2040	$-54,582.53	$3,631.48	$-400.19	$4,031.67
TOTAL:	-	$605,501.16	$229,982.31	$375,518.85

Change options for different scenario in the form below:

Featured Ohio Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity	Intro APR 7.250 % After Intro: 7.250 %	$15,000	Learn More
Flexible terms, borrow $15K-$400K, 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 More Info
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
New American Funding, LLC	Cash-Out and Home Equity Options Available.		Learn More
Home Improvement, Buy a Vacation Home 303k+ positive reviews, A rating from the BBB Pay off higher interest rate credit cards, Pay college tuition 100% online mortgage application available More Info
Cash-Out and Home Equity Options Available.
AmeriSave Mortgage Corporation	Home Equity Loans & Refinance – Cash out		Learn More
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 More Info
• 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
Upstart	As low as 6.3% APR on your initial draw*		Learn More
As low as 6.3% APR on your initial draw* Get your money up to 6x faster than the industry standard* Fixed rate on each draw* No paperwork needed to apply More Info
1. APRs for initial advances range from 6.3% to 18.00% based on funded HELOCs as of September 2024. Your actual rate will depend on many factors such as your credit history, loan-to-value ratio, line amount, loan term, lien position, and property state. The lowest rates are only available to the most qualified applicants. The APR is variable, but the APR that will apply to each draw will be fixed on the date the draw is made. 2. As of October 2024, 10% of funded HELOCs achieved a closing timeline of 6 days or less and a funding timeline of 10 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days. 3. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC.
Figure Home Equity Line Equal Housing Lender	HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.		Learn More
Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$400k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Home Equity Line of Credit product from Black Hills FCU - Amortization Schedule Calculator

Home Equity product from Black Hills FCU

Featured Ohio Home Equity Rates 2025

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