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Home Equity Loans

HELOC Rates as low as 3.75% APR!

CCU 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.

Choose from fixed rate loans with a predictable monthly payment or lines of credit that can be used as needed.  Closing costs are as low as $99*! Select the product links to learn more.

Fixed Rate Home Equity Loans
Fixed Rate Home Equity Loans
A fixed rate loan with a payment that stays the same throughout the life of the loan. Repayment terms available for 5, 10, 15, and 20 years.  Primary residences only, up to 100% loan to value.
Home Equity Line of Credit
Home Equity Line of Credit
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.
1st Lien Home Equity Lines of Credit
1st Lien Home Equity Lines of Credit
A HELOC loan designed for qualified members who do not have a 1st mortgage lien on the home and property.  Must speak to a CCU Lender to apply at 321.637.3211.  No online applications please.
"No Equity" Personal Loan
"No Equity" Personal Loan
This loan is available to qualified members who have a first mortgage product on the property from CCU. This is a special purpose Personal Loan.  Proceeds can be used to purchase non-luxury items for the property or to make improvements. 
*Loan amont under $100,000. Borrower pays valuation fee, if applicable.

How to Apply

In Person:
Stop by one of our seven branch locations.  Our Rockledge 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)

Existing CCU 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.

For Additional Assistance:
Please contact a Member Service Representative at 321.690.2328 (outside Brevard, 1.800.690.2338) or send an email to  For your security, DO NOT send account numbers or other private information using this general email address.  Private, unpublished personal information should ONLY be sent through Secure Email, which is available within the Mobile App and eBranch Online Banking. 



24-Hour Account Information: 321.631.4611

Member Services: 321.690.2328

Apply for a Loan: 321.637.3211

Routing Number: 263182037

Equal Housing Lender
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