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Home Equity Line of Credit

Get access to needed funds through the financial power of your home’s equity. Use your home’s equity to pay for large purchases, college, or that special event in your life. 

  • Use 80% of your home’s equity (up to $75,000.00 minus your mortgage balance, when applicable)
  • Enjoy potential tax deductions*
  • Low interest rate with rate increase protection
  • No surprises!
    • no application fees
    • no annual fees
    • no closing costs
    • no pre-payment penalties
    • no other hidden charges
  • Fast turnaround – get a preliminary answer within 24 hours

Ready to get started? Review the Home Equity Line of Credit Application Checklist or pick up a Home Equity Line of Credit Application Packet in person at one of our branch locations. 

HELOC Rates
NameAPR*DetailsCalculator
Home Equity Line of Credit Variable 4.25% 15 year term Calculate Payment
*APR = Annual Percentage Rate. Rates based on term, credit, and collateral. Consult with your tax advisor. Contact Community Focus FCU for most current rate. Variable-rate loan may change quarterly based on the Wall Street Journal Prime Rate. Maximum APR is 16.00%.

Our Loan Officers are:
Melissa Molnar: NMLS#850295
Janet Bailey: NMLS#1009730

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