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Home Equity Loans

Community Credit Union of 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 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.  Closing costs are as low as $199*!

Select the product links to learn more.

For a limited time, get a special introductory rate for 12 months when you are approved for a CCU HELOC. 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, 20 and 30 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
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 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. 
 


How to Apply for a Community Credit Union 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 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.
Image link to home equity online application | Community Credit Union of FL | Brevard County
 

For Additional Assistance:
Please contact a Member Service Representative at 321.690.2328 (outside Brevard, 1.800.690.2338) or send an email to memberservices@ccuflorida.org.  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. 

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 800.690.2338.
 
Fixed Rate Home Equity: Rate based upon credit score and approval. A $25,000 loan for 30 year at 5.50% APR with a minimum LTV of 80% would have a monthly payment is $142.01. Programs, terms and conditions are subject to change without notice. You may have to pay certain third parties closing costs, between $0 and $1,000. Property and flood insurance may be required, subordinate liens only. For additional information and loan details please contact our contact center at 321.690.2328 or toll free at 800.690.2338.
 
*Loan amount under $100,000. Borrower pays valuation fee, if applicable.Cannot be combined with other offers.
 

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