If you’ve built equity in your home, you can use it with a home equity loan from your credit union. Use your equity to:

• Make home improvements or repairs
• Consolidate debt
• Pay for college tuition
• Make the fun purchases in life: vacations, cars, and boats!

Home Equity Installment Loans

Standard Home Equity Loan (Up to 80% LTV)
Tap into your home’s value with fixed payments and predictable terms. Borrow up to 80% of your home’s equity for major expenses like renovations, debt consolidation, or tuition costs—at competitive rates and flexible terms.

Our Standard Home Equity Loan offers the following benefits:

• Loan amounts up to $75,000
• Terms up to 15 years
• Low Fixed Rates
• Tax Deduction*

NEW: MAX Home Equity Loan (Up to 100% LTV)
Need more flexibility? Our new MAX Home Equity Loan lets you borrow up to 100% of your home’s value—perfect for those with limited equity but big plans. Enjoy fixed-rate peace of mind with expanded borrowing power.

Our MAX Home Equity Loan offers the following benefits:

• Loan amounts up to $250,000
• Terms up to 20 years
• Low Fixed Rates
• Tax Deduction*

Home Equity Line of Credit (HELOC)

Standard HELOC (Up to 80% LTV)
Access your home’s equity as needed with a revolving line of credit. Borrow up to 80% of your home’s value with low interest rates and only pay interest on what you use—ideal for ongoing projects or unexpected expenses.

Our Standard Home Equity Line of Credit offers the following benefits:

• Line amounts up to $50,000
• Ten year draw (advance) period
• Ten year payoff period (after draw period is over)
• Competitive adjustable rates

NEW: MAX HELOC Option (Up to 100%)
Maximize your equity with our new 100% HELOC. Get the same flexibility and convenience of a traditional line of credit, now with up to 100% LTV. It’s borrowing, on your terms—with more buying power than ever.

Our MAX Home Equity Line of Credit offers the following benefits:

• Line amounts up to $250,000
• Ten year draw (advance) period
• Fifteen year payoff period (after draw period is over)
• Competitive adjustable rates

For more information or to apply, stop by our convenient office location or give us a call.

What You Should Know About Home Equity Lines of Credit

Shopping for your home loan – Settlement cost booklet

City County Employees Credit Union’s Mortgage Loan Officer complies with the SAFE Act; NMLS unique identifier number is available upon request.

*See your tax advisor for details.