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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

  • Competitive Rates
  • Flexible Terms
  • Local Decisions
  • Friendly Service
  • Use for large purchases, unexpected expenses, and more
  • Amount based on your home's equity
  • Lump-sum loan with competitive, flexible rates
  • Flexible terms and affordable payments*
  • Friendly, personal service
  • Local decisions for faster results

There are many different ways to utilize the equity in your home. Get an ongoing line of credit at a variable rate with our HELOC.

HELOC Special: for a limited time only, FCCU is offering a HELOC special rate of 1.99%* APR!

  • Use for ongoing expenses, large purchases, and more
  • Amount based on your home's equity
  • Revolving line of credit with competitive, flexible rates
  • 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
*Rates and terms subject to change. Members who have an existing home equity line of credit with Fort Community Credit Union are not eligible for advertised loan terms. *1.99% 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 5.5%) 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- $885.