You’ve built Your Equity.

Start using it for what you want.

What would you like to do?
Apply for a home equity loan.
No Closing Costs Home Equity Loans

A Home Equity Loan is an excellent way for homeowners to finance large projects, purchases, and expenses, with up to 100% financing! Consolidate debt, renovate your home, make large purchases, and more. Home equity loans have favorable rates and could have possible tax benefits (consult with a tax adviser for details).  The amount of money you can borrow depends on the equity you have in your home.  Equity is the difference between what your home is worth and how much you owe. 

CFCCU Home Equity Loan Calculator
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Application Check List

When applying for a Home Equity loan, you will need to provide the following documents:

  1. Income information – your most recent paystubs and previous two years W2s.
  2. If you are self-employed, two years signed Federal Income Tax Returns.
  3. Insurance information – a copy of your homeowner’s insurance policy.

Home Equity Loan Rates

Check with a CFCCU Loan Officer for exciting new options.

Home Equity Line of Credit⁹


Open End HELOC
APR¹ as low as
3.50%

Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio. All loans subject to approval. 

Maximum APR is 21.00%. Add 1.75% to interest rate for loans with loan-to-value ratio over 85%.

The required minimum payment is $100 or payment is calculated on a 15-year term based on current APR and balance outstanding.

EXAMPLE: A $20,000 HELOC balance at 3.50% APR¹, the monthly payment will be $143.

Home Equity Loans Closed End⁹

Loan Term
5 Year (60 Month)
7 year (84 month)
10 year (120 month)
15 year (180 month)
20 year (240 month)
APR¹ as low as
3.50%
3.60%
3.64%
4.50%
5.15%

EXAMPLE: A $20,000 loan for a term of 60 months with a 3.50% APR¹, the monthly payment will be $364. Tax and insurance premiums are not included in the payment. The actual payment obligation may be greater.

EXAMPLE: A $50,000 loan for a term of 180 months with a 4.50% APR¹, the monthly payment will be $383. Tax and insurance premiums are not included in the payment. The actual payment obligation may be greater.

Apply for a home equity loan.