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CCCU Home Equity Loans & Lines of Credit

A home equity loan or home equity line of credit (HELOC) for your home can cover major expenses: home improvements, a safety net, college tuition and many other life circumstances.    

Understanding your needs and your goals are the first steps in finding your best option. Come in and meet with us. We’ll answer your questions, explain our loans and help you through the process.  

Our home equity loans and lines of credit were designed for you, which is why you will enjoy:  

  • Low closing costs
  • Competitive rates
  • Flexible terms
  • No prepayment penalties

Apply Home Equity View Rates Calculate Payments

Fixed Rate Home Equity Loan

A fixed rate home equity loan allows you to borrow in one lump sum and lock into a low, fixed rate with a dependable monthly payment.

  • 10, 15 or 20 year terms
Apply Home Equity Loan

The Lockable HELOC

What's a line of credit? It gives you the flexibility to advance funds as you need them, up to a pre-set limit. The Lockable HELOC is a variable rate line of credit, but has the special option to lock in up to 3 fixed-rate loans.

  • Terms vary
Apply for a HELOC

HELOC vs Fixed Rate Loan

Are you unsure which is right for you? Call, email or visit us. We’ll explain the differences, the costs, the benefits and the risks.

Contact Us

15 Year Rapid Refi

If you’re looking to save on closing costs and refinance to a shorter loan term, this is the perfect refinance solution for you. Lock in a low rate, refinance to a 15-year term and save on interest over the life of the loan.

Apply 15 Year Rapid Refi

City & County Mortgage

Looking to purchase a new home or selling your current one? Find our online application, calculators, FAQs and other resources at our Mortgage Center.

  • Low closing costs
  • Competitive rates
  • No hidden fees
Mortgage Center

Home Equity Disclosures   15 Year Rapid Refi Disclosures

Added Benefits and Programs for CCCU Members

Whether you're buying or selling a home or both, Servion, owned and endorsed by your credit union, can help you through the entire process. In addition, Servion will sell your home at a much lower commission rate than the competition, saving you thousands of dollars on your sale! Contact Servion for more information.

City & County Credit Union members also can save money with TruStage Home Insurance. Get a quote today!


For added security, City & County Credit Union members can protect their HELOC with Debt Protection. Debt Protection can help your family by canceling loan payments or even your loan balance, up to the contract maximums, when you are faced with an unexpected protected event such as loss of life, disability, or unemployment. Contact us for more information on Debt Protection.


TruStage coverage provided and underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by City & County Credit Union.

Tools & Resources

  • Calculators

  • Deposit Rates

  • Loan Rates

  • Forms