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Whether you're looking to move or simply improve, using the equity in your home might be the solution!

 

Key Features

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Home equity is the best part of home ownership. Your equity is the value of your home minus the amount you owe on your mortgage. Use the equity you have in your house as collateral to pay for home renovations, large purchases, or even to consolidate debt. Sweeten your dreams by making your home work for you with a Home Equity Line of Credit (HELOC). With a HELOC from FCCU, you’ll benefit from:

  • Competitive Rates¹
  • No annual fee
  • Only pay interest on what you borrow
  • Easy access to transfer your funds via online banking or mobile banking 
  • Potential tax benefits²- interest is usually tax deductible when used for home improvements
  • Friendly, local, and experienced loan officers 
  • Member Loyalty Cash- A mortgage loan³ helps qualify you for cash back at the end of the year!

Ready to make your dreams a reality?
To get started, check out our Homebuying Resources. Then, apply online today!  

Learn More.

What is a Home Equity Line of Credit?

A home equity loan offers all the same great benefits as a HELOC, but instead of offering a credit line to borrow against as needed, a home equity loan provides a lump sum that’s repaid in equal, fixed, monthly installments.  Keep your budget on track, while securing your dreams. With a Home Equity Loan from FCCU you get:

  • Competitive Rates¹
  • Fix-rate loan4 with variable term options
  • Easy access to transfer your funds via online banking or mobile banking 
  • Potential tax benefits²- interest is usually tax deductible when used for home improvements
  • Friendly, local, and experienced loan officers 
  • Member Loyalty Cash- A mortgage loan³ helps qualify you for cash back at the end of the year!

 

¹Rates and terms subject to change.
²Consult a tax advisor.
³Members must have a mortgage loan that originated in the current year to earn qualifying portion.
4ARM and fixed rates options available. Some restrictions apply.