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Rates

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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For a limited time, HELOC rates as low as 1.39% APR2 for the first 12 months! 

There are many different ways to utilize the equity in your home including fixed terms and rates or a line of credit with a variable rate.

  • Use for large purchases, unexpected expenses, and more
  • Amount based on your home's equity
  • Use what you need, when you need it
  • No need to reapply once approved
  • Flexible terms and affordable payments
  • Friendly personal service
  • Local decisions for faster results

 

  • Use for large purchases, unexpected expenses, and more
  • Amount based on your home's equity
  • Lump-sum loan with competitive rates
  • Flexible terms and affordable payments1
  • Friendly, personal service
  • Local decisions for faster results

1 Rates and terms subject to change. 

2Members who have an existing home equity line of credit with Fort Community Credit Union are not eligible for advertised loan terms. 1.39% APR (annual percentage rate) available on loans for owner-occupied primary residencies with loans up to 90% LTV (loan-to-value) and credit scores of 680 or higher. Rate is variable. Rate is locked for 12 months, then will be set as high as prime  (recently 3.25%) for first mortgage loans and prime plus .25 percentage points for second mortgage loans. Rate is subject to change after 12 months from closing date, and thereafter on the first day of each month following any change in the prime rate as published in the Wall Street Journal. Payments are 1.25% of balance or $125, whichever is greater. Maximum rate 18%. Minimum credit line of $10,000. Homeowners Insurance required. Closing costs range from $285- $1,100. Offer valid beginning May 1, 2021. Rates and terms subject to change.