Home Equity Loans

Tap into your home equity responsibly and conveniently by taking advantage of our highly competitive fixed interest rates.

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Key Features

Competitive Annual Interest Rate

Manage your debt by consolidating higher-rate credit cards into one lower-rate equity loan.

Terms to Meet Your Needs

Choose from terms up to 20 years.

Property

Owner-occupied primary single-family residences, second homes and condos are eligible.

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  • Potential Tax Deduction – Interest expenses on your second mortgage may be tax-deductible. Consult your tax advisor.
  • Rate Discount – Get a 0.25% rate discount for making automatic payments from your WSFS checking account.

Interest Rates

Please select your state
so that we can provide acccurate rates for your location.

Tiers Interest Rate APY
N/A N/A N/A
N/A N/A N/A
N/A N/A N/A
N/A N/A N/A
Loan Amount Term Loan to Value Ratio Interest Rate with Auto Deduct from WSFS Checking APR with Auto Deduct from WSFS Checking Interest Rate without Auto Deduct from WSFS Checking APR without Auto Deduct from WSFS Checking*
$25,000 - $49,999.99 Up to 60 Months Up to 85% 4.99% 6.640% 5.24% 6.893%
$25,000 - $49,999.99 61 to 120 Months Up to 85% 5.39% 6.265% 5.64% 6.520%
$25,000 - $49,999.99 121 to 180 Months Up to 85% 5.79% 6.413% 6.04% 6.667%
$25,000 - $49,999.99 181 to 240 Months Up to 85% 6.19% 6.692% 6.44% 6.947%
$25,000 - $49,999.99 Up to 60 Months 86% to 89% 5.74% 7.401% 5.99% 7.655%
$25,000 - $49,999.99 61 to 120 Months 86% to 89% 6.14% 7.028% 6.39% 7.282%
$25,000 - $49,999.99 121 to 180 Months 86% to 89% 6.54% 7.176% 6.79% 7.431%
$25,000 - $49,999.99 181 to 240 Months 86% to 89% 6.94% 7.458% 7.19% 7.713%
$50,000 - $99,999.99 Up to 60 Months Up to 85% 4.69% 5.501% 4.94% 5.753%
$50,000 - $99,999.99 61 to 120 Months Up to 85% 5.09% 5.519% 5.34% 5.771%
$50,000 - $99,999.99 121 to 180 Months Up to 85% 5.49% 5.794% 5.74% 6.046%
$50,000 - $99,999.99 181 to 240 Months Up to 85% 5.89% 6.134% 6.14% 6.387%
$50,000 - $99,999.99 Up to 60 Months 86% to 89% 5.44% 6.257% 5.69% 6.509%
$50,000 - $99,999.99 61 to 120 Months 86% to 89% 5.84% 6.275% 6.09% 6.527%
$50,000 - $99,999.99 121 to 180 Months 86% to 89% 6.24% 6.551% 6.49% 6.803%
$50,000 - $99,999.99 181 to 240 Months 86% to 89% 6.64% 6.892% 6.89% 7.144%
$100,000 + Up to 60 Months Up to 85% 4.19% 4.591% 4.44% 4.842%
$100,000 + 61 to 120 Months Up to 85% 4.59% 4.801% 4.84% 5.052%
$100,000 + 121 to 180 Months Up to 85% 4.99% 5.139% 5.24% 5.390%
$100,000 + 181 to 240 Months Up to 85% 5.39% 5.509% 5.64% 5.760%
$100,000 + Up to 60 Months 86% to 89% 4.94% 5.344% 5.19% 5.595%
$100,000 + 61 to 120 Months 86% to 89% 5.34% 5.554% 5.59% 5.805%
$100,000 + 121 to 180 Months 86% to 89% 5.74% 5.892% 5.99% 6.143%
$100,000 + 181 to 240 Months 86% to 89% 6.14% 6.262% 6.39% 6.514%
Loan Amount Term Loan to Value Ratio Interest Rate with Auto Deduct from WSFS Checking APR with Auto Deduct from WSFS Checking Interest Rate without Auto Deduct from WSFS Checking APR without Auto Deduct from WSFS Checking*
$25,000 - $49,999.99 Up to 60 Months Up to 85% 4.99% 6.640% 5.24% 6.893%
$25,000 - $49,999.99 61 to 120 Months Up to 85% 5.39% 6.265% 5.64% 6.520%
$25,000 - $49,999.99 121 to 180 Months Up to 85% 5.79% 6.413% 6.04% 6.667%
$25,000 - $49,999.99 181 to 240 Months Up to 85% 6.19% 6.692% 6.44% 6.947%
$25,000 - $49,999.99 Up to 60 Months 86% to 89% 5.74% 7.401% 5.99% 7.655%
$25,000 - $49,999.99 61 to 120 Months 86% to 89% 6.14% 7.028% 6.39% 7.282%
$25,000 - $49,999.99 121 to 180 Months 86% to 89% 6.54% 7.176% 6.79% 7.431%
$25,000 - $49,999.99 181 to 240 Months 86% to 89% 6.94% 7.458% 7.19% 7.713%
$50,000 - $99,999.99 Up to 60 Months Up to 85% 4.69% 5.501% 4.94% 5.753%
$50,000 - $99,999.99 61 to 120 Months Up to 85% 5.09% 5.519% 5.34% 5.771%
$50,000 - $99,999.99 121 to 180 Months Up to 85% 5.49% 5.794% 5.74% 6.046%
$50,000 - $99,999.99 181 to 240 Months Up to 85% 5.89% 6.134% 6.14% 6.387%
$50,000 - $99,999.99 Up to 60 Months 86% to 89% 5.44% 6.257% 5.69% 6.509%
$50,000 - $99,999.99 61 to 120 Months 86% to 89% 5.84% 6.275% 6.09% 6.527%
$50,000 - $99,999.99 121 to 180 Months 86% to 89% 6.24% 6.551% 6.49% 6.803%
$50,000 - $99,999.99 181 to 240 Months 86% to 89% 6.64% 6.892% 6.89% 7.144%
$100,000 + Up to 60 Months Up to 85% 4.19% 4.591% 4.44% 4.842%
$100,000 + 61 to 120 Months Up to 85% 4.59% 4.801% 4.84% 5.052%
$100,000 + 121 to 180 Months Up to 85% 4.99% 5.139% 5.24% 5.390%
$100,000 + 181 to 240 Months Up to 85% 5.39% 5.509% 5.64% 5.760%
$100,000 + Up to 60 Months 86% to 89% 4.94% 5.344% 5.19% 5.595%
$100,000 + 61 to 120 Months 86% to 89% 5.34% 5.554% 5.59% 5.805%
$100,000 + 121 to 180 Months 86% to 89% 5.74% 5.892% 5.99% 6.143%
$100,000 + 181 to 240 Months 86% to 89% 6.14% 6.262% 6.39% 6.514%
  • Tiers

  • Interest Rate

  • APY

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  • N/A

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  • Loan Amount

  • Term

  • Loan to Value Ratio

  • Interest Rate with Auto Deduct from WSFS Checking

  • APR with Auto Deduct from WSFS Checking

  • Interest Rate without Auto Deduct from WSFS Checking

  • APR without Auto Deduct from WSFS Checking*

  • $25,000 - $49,999.99

  • Up to 60 Months

  • Up to 85%

  • 4.99%

  • 6.640%

  • 5.24%

  • 6.893%

  • $25,000 - $49,999.99

  • 61 to 120 Months

  • Up to 85%

  • 5.39%

  • 6.265%

  • 5.64%

  • 6.520%

  • $25,000 - $49,999.99

  • 121 to 180 Months

  • Up to 85%

  • 5.79%

  • 6.413%

  • 6.04%

  • 6.667%

  • $25,000 - $49,999.99

  • 181 to 240 Months

  • Up to 85%

  • 6.19%

  • 6.692%

  • 6.44%

  • 6.947%

  • $25,000 - $49,999.99

  • Up to 60 Months

  • 86% to 89%

  • 5.74%

  • 7.401%

  • 5.99%

  • 7.655%

  • $25,000 - $49,999.99

  • 61 to 120 Months

  • 86% to 89%

  • 6.14%

  • 7.028%

  • 6.39%

  • 7.282%

  • $25,000 - $49,999.99

  • 121 to 180 Months

  • 86% to 89%

  • 6.54%

  • 7.176%

  • 6.79%

  • 7.431%

  • $25,000 - $49,999.99

  • 181 to 240 Months

  • 86% to 89%

  • 6.94%

  • 7.458%

  • 7.19%

  • 7.713%

  • $50,000 - $99,999.99

  • Up to 60 Months

  • Up to 85%

  • 4.69%

  • 5.501%

  • 4.94%

  • 5.753%

  • $50,000 - $99,999.99

  • 61 to 120 Months

  • Up to 85%

  • 5.09%

  • 5.519%

  • 5.34%

  • 5.771%

  • $50,000 - $99,999.99

  • 121 to 180 Months

  • Up to 85%

  • 5.49%

  • 5.794%

  • 5.74%

  • 6.046%

  • $50,000 - $99,999.99

  • 181 to 240 Months

  • Up to 85%

  • 5.89%

  • 6.134%

  • 6.14%

  • 6.387%

  • $50,000 - $99,999.99

  • Up to 60 Months

  • 86% to 89%

  • 5.44%

  • 6.257%

  • 5.69%

  • 6.509%

  • $50,000 - $99,999.99

  • 61 to 120 Months

  • 86% to 89%

  • 5.84%

  • 6.275%

  • 6.09%

  • 6.527%

  • $50,000 - $99,999.99

  • 121 to 180 Months

  • 86% to 89%

  • 6.24%

  • 6.551%

  • 6.49%

  • 6.803%

  • $50,000 - $99,999.99

  • 181 to 240 Months

  • 86% to 89%

  • 6.64%

  • 6.892%

  • 6.89%

  • 7.144%

  • $100,000 +

  • Up to 60 Months

  • Up to 85%

  • 4.19%

  • 4.591%

  • 4.44%

  • 4.842%

  • $100,000 +

  • 61 to 120 Months

  • Up to 85%

  • 4.59%

  • 4.801%

  • 4.84%

  • 5.052%

  • $100,000 +

  • 121 to 180 Months

  • Up to 85%

  • 4.99%

  • 5.139%

  • 5.24%

  • 5.390%

  • $100,000 +

  • 181 to 240 Months

  • Up to 85%

  • 5.39%

  • 5.509%

  • 5.64%

  • 5.760%

  • $100,000 +

  • Up to 60 Months

  • 86% to 89%

  • 4.94%

  • 5.344%

  • 5.19%

  • 5.595%

  • $100,000 +

  • 61 to 120 Months

  • 86% to 89%

  • 5.34%

  • 5.554%

  • 5.59%

  • 5.805%

  • $100,000 +

  • 121 to 180 Months

  • 86% to 89%

  • 5.74%

  • 5.892%

  • 5.99%

  • 6.143%

  • $100,000 +

  • 181 to 240 Months

  • 86% to 89%

  • 6.14%

  • 6.262%

  • 6.39%

  • 6.514%

  • Loan Amount

  • Term

  • Loan to Value Ratio

  • Interest Rate with Auto Deduct from WSFS Checking

  • APR with Auto Deduct from WSFS Checking

  • Interest Rate without Auto Deduct from WSFS Checking

  • APR without Auto Deduct from WSFS Checking*

  • $25,000 - $49,999.99

  • Up to 60 Months

  • Up to 85%

  • 4.99%

  • 6.640%

  • 5.24%

  • 6.893%

  • $25,000 - $49,999.99

  • 61 to 120 Months

  • Up to 85%

  • 5.39%

  • 6.265%

  • 5.64%

  • 6.520%

  • $25,000 - $49,999.99

  • 121 to 180 Months

  • Up to 85%

  • 5.79%

  • 6.413%

  • 6.04%

  • 6.667%

  • $25,000 - $49,999.99

  • 181 to 240 Months

  • Up to 85%

  • 6.19%

  • 6.692%

  • 6.44%

  • 6.947%

  • $25,000 - $49,999.99

  • Up to 60 Months

  • 86% to 89%

  • 5.74%

  • 7.401%

  • 5.99%

  • 7.655%

  • $25,000 - $49,999.99

  • 61 to 120 Months

  • 86% to 89%

  • 6.14%

  • 7.028%

  • 6.39%

  • 7.282%

  • $25,000 - $49,999.99

  • 121 to 180 Months

  • 86% to 89%

  • 6.54%

  • 7.176%

  • 6.79%

  • 7.431%

  • $25,000 - $49,999.99

  • 181 to 240 Months

  • 86% to 89%

  • 6.94%

  • 7.458%

  • 7.19%

  • 7.713%

  • $50,000 - $99,999.99

  • Up to 60 Months

  • Up to 85%

  • 4.69%

  • 5.501%

  • 4.94%

  • 5.753%

  • $50,000 - $99,999.99

  • 61 to 120 Months

  • Up to 85%

  • 5.09%

  • 5.519%

  • 5.34%

  • 5.771%

  • $50,000 - $99,999.99

  • 121 to 180 Months

  • Up to 85%

  • 5.49%

  • 5.794%

  • 5.74%

  • 6.046%

  • $50,000 - $99,999.99

  • 181 to 240 Months

  • Up to 85%

  • 5.89%

  • 6.134%

  • 6.14%

  • 6.387%

  • $50,000 - $99,999.99

  • Up to 60 Months

  • 86% to 89%

  • 5.44%

  • 6.257%

  • 5.69%

  • 6.509%

  • $50,000 - $99,999.99

  • 61 to 120 Months

  • 86% to 89%

  • 5.84%

  • 6.275%

  • 6.09%

  • 6.527%

  • $50,000 - $99,999.99

  • 121 to 180 Months

  • 86% to 89%

  • 6.24%

  • 6.551%

  • 6.49%

  • 6.803%

  • $50,000 - $99,999.99

  • 181 to 240 Months

  • 86% to 89%

  • 6.64%

  • 6.892%

  • 6.89%

  • 7.144%

  • $100,000 +

  • Up to 60 Months

  • Up to 85%

  • 4.19%

  • 4.591%

  • 4.44%

  • 4.842%

  • $100,000 +

  • 61 to 120 Months

  • Up to 85%

  • 4.59%

  • 4.801%

  • 4.84%

  • 5.052%

  • $100,000 +

  • 121 to 180 Months

  • Up to 85%

  • 4.99%

  • 5.139%

  • 5.24%

  • 5.390%

  • $100,000 +

  • 181 to 240 Months

  • Up to 85%

  • 5.39%

  • 5.509%

  • 5.64%

  • 5.760%

  • $100,000 +

  • Up to 60 Months

  • 86% to 89%

  • 4.94%

  • 5.344%

  • 5.19%

  • 5.595%

  • $100,000 +

  • 61 to 120 Months

  • 86% to 89%

  • 5.34%

  • 5.554%

  • 5.59%

  • 5.805%

  • $100,000 +

  • 121 to 180 Months

  • 86% to 89%

  • 5.74%

  • 5.892%

  • 5.99%

  • 6.143%

  • $100,000 +

  • 181 to 240 Months

  • 86% to 89%

  • 6.14%

  • 6.262%

  • 6.39%

  • 6.514%

Promotional Rates

Bonus Rate Information for Qualifying Accounts

Loan minimum is $25,000.

The following property types are not eligible for home equity loans or home equity lines of credit from WSFS Bank: mixed-use properties, life estates, co-ops, timeshares, working farms, commercial properties and land/lots. Primary residences, secondary residences and investment properties are eligible.

LTVs may vary from those listed for secondary residences and investment properties.

*The Annual Percentage Rates (APR) are effective as of July 21, 2017 and are subject to change. Stated Annual Percentage Rates (APR) assumes closing costs and related expenses will be paid. For example, the monthly payment per $1,000 borrowed at 4.99% for a $25,000 loan for 60 months (85% LTV) will be $18.87 for payments from a WSFS Checking Account, and $18.98 for loans without automatic deduction. Payments do not include taxes and insurance premiums. The actual payment obligation may be higher. Minimum loan amount is $25,000.00. Fees to open these loans may be up to $1,159.50.