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
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Fixed Rate Home Equity Loan
Apply 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.
The Lockable HELOC
Apply for a 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.
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.
View Today's Rates
View today's rates and start calculating your option
Apply Online Today
Use our online application to get started today. If you have questions along the way, reach us at (800) 223-2801.
City & County Mortgage
Looking to buy or sell a home? Find our online application, calculators, FAQs and other resources at our Mortgage Center.
Home Equity 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.