Home Equity Loans
Community Credit Union Florida offers a variety of economical options that allow you to make use of the equity in your home to consolidate debt, make repairs or improvements, or pay for unexpected expenses.
With a CCU Florida Home Equity solution, you'll get a great rate, easy application, fast, local decisions, and fast closings.
Choose from fixed rate loans with a predictable monthly payment or lines of credit that can be used as needed.
Select the product links to learn more.
For a limited time, NO CLOSING COSTS are required on your CCU FLORIDA HELOC.* Information on HELOC
A fixed rate loan with a payment that stays the same throughout the life of the loan. Repayment terms available for 5, 10, 15, 20 and 30 years. Primary residences only, up to 80% loan to value.
An adjustment rate loan with repayment terms up to 30 years. Payment amount varies based on the balance of the loan. Draws can be made as needed.
This HELOC loan can be used for a primary residence or a second home. It is designed for qualified members who do not have a 1st mortgage lien on the home and property. Must speak to a Lender to apply at 321.637.3211.
This loan is available to qualified members who have a first mortgage product on the property from CCU Florida. This is a special purpose Personal Loan. Proceeds can be used to purchase non-luxury items for the property or to make improvements.
How to Apply for a CCU Home Equity Loan or Line:
In Person:
Stop by one of our seven branch locations. Our Rockledge, Titusville and Palm Bay branches are open Saturdays from 9 am to noon.
By Phone:
Speak to a Member Service Lender: 321.637.3211 (outside Brevard, 1.800.690.2338)
Online:
Existing Members: Use the Mobile App or log in to eBranch Online Banking and your personal information will be pre-filled for you. Or, you may use the application found by selecting the "Join Online" link below, but you will be asked to provide your personal information, including your Member Number.
Mobile App: Go to More and select Apply for a Loan.
eBranch Online Banking: Select the Online Application link at the upper right of the screen.
Prospective CCU Members: Select the icon below. Leave the Member Number field blank.
Home Equity Line of Credit (HELOC): Rate based upon credit score and approval. Your annual percentage rate may change quarterly, which may increase your monthly payment. The annual percentage rate is based on the Prime Rate published in the Money Rates column of the Wall Street Journal. Programs plus a margin, terms and conditions are subject to change without notice. You have to pay certain third parties closing costs, between $0 and $1,000. Payment Example: If you borrow $50,000 at 6.00% for 30 years with a draw period of 15 years, your monthly principle and interest payment would be $300.00. For additional information and loan details please contact our contact center at 321.690.2328 or toll free at 1.800.690.2338.
Equal Housing Opportunity
