Personal Loans

Home Equity

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Are you looking for a way to consolidate your debt at a lower interest rate or remodel your kitchen? Using the equity in your home might be the solution! Your home equity is the value of your home minus any current mortgage debt you owe. Use this amount to secure a fixed rate loan or a variable rate line of credit.

For a limited time only, FCCU is offering a HELOC special rate of 1.99% APR*! For more details click on the 'Home Equity Line of Credit' tab below.

Home Equity Loan

Closing costs for home equity loans are low, and the interest rates are normally much more favorable than a credit card or personal loan.

  • Use for home improvement, debt consolidation, and more
  • Amount based on your home's equity
  • Competitive fixed rates
  • Flexible terms and affordable payments
  • Friendly personal service
  • Local decisions for faster results
Home Equity Line of Credit

FCCU is now offering a 1.99% APR* HELOC!

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
  • 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 4.25%) 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- $885.