Home Equity Line of Credit (HELOC)
Take advantage of your home’s buying power with a Home Equity Line of Credit (HELOC). Renovate your home, pay medical bills, or consolidate debt! Our mortgage experts are ready to help you tap into your home’s value so your plans can become a reality.‡
Reasons for a HELOC
Home Improvement Projects
Consolidate Debt
Pay Medical Bills
Cover Large Expenses
HELOC
- As low as 7.75% APR*
- 10-year interest-only draw period followed by a repayment period of 20 years1
- Tap into your home’s buying power with our easy application process‡
- Minimum Loan Amount: $25,000
- Maximum Loan Amount: $500,000
- Maximum Loan-to-Value: 80%
- APR* As Low As: 7.75%
Terms & Conditions:
* APR=Annual percentage rate. Rate and terms effective 07/01/2025 and are subject to change without notice.
1. Home Equity Line of Credit (HELOC): This is an open-end line of credit secured by the equity in your home. 7.75% APR reflects the 1/4% discount if your mortgage/1st Trust Deed is with Christian Community Credit Union. The rate is variable and is based on The Wall Street Journal Prime Rate plus a margin that is based on your credit score and the ratio of your mortgage loan balance to your home value, known as your loan-to-value (LTV). The rate is adjustable monthly with rates as low as 3.25% APR and a maximum of 18.00% APR. Full appraisal required if CLTV exceeds 80% cost to be determined at the time of loan application. Not available in Texas. Current property insurance is required. Transfer tax may be applicable in certain states and is the borrower’s responsibility to pay at closing. A $25 one-time membership fee applies if you do not have a deposit account when you become a member at Christian Community Credit Union by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit myCCCU.com/deposit.
‡All loans are subject to credit approval.
A $25 one-time membership fee applies if you do not have a deposit account when you become a member of Christian Community Credit Union by applying for a loan. Fee will be waived if you open a deposit account within 30 days of loan approval. Visit myCCCU.com/deposit-account.