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 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, enjoy a Special Introductory Rate of 3.99% APR for 12 months,¹ and No Closing Costs!²After 12 months, rate will change to a variable rate between 6.50%-12% APR.

Information on HELOC

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 80% loan to value.³

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.

1^st Lien Home Equity Lines of Credit

1^st 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 Lender to apply at 321.637.3211.

"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 Florida. This is a special purpose Personal Loan. Proceeds can be used to purchase non-luxury items for the property or to make improvements.

Check out our low rates!

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.

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 1.800.690.2338.

APR=Annual Percentage Rate. ¹The introductory rate is for 12 months starting the month of the loan closing. Thereafter, the Home Equity Line of Credit will have a variable rate between 6.50% – 12.00% APR. Rates are based on credit score, combined LTV, term, loan amount, plus a margin. After introductory period, your rate may change quarterly, based upon the Prime rate. ²Loans up to $250,000 in 2nd lien position on primary residences only. ³Up to 80% LTV available on primary residences. Other restrictions may apply. Borrower pays valuation fee, if appraisal required. A $300 reimbursement fee will be charged if loan is paid off within 36 months. This offer cannot be combined with other promotions. This offer is valid for loans funded between March 1, 2026 and May 29, 2026 and subject to change. Membership is available in Brevard and surrounding counties. Share account with a one-time $5 membership fee is required.

Equal Housing Opportunity

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.

For a Limited Time, enjoy a Special Introductory Rate of 3.99% APR for 12 months,1 and No Closing Costs!2 After 12 months, rate will change to a variable rate between 6.50%-12% APR.

Information on HELOC

How Can We HelpYou Today?

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For a Limited Time, enjoy a Special Introductory Rate of 3.99% APR for 12 months,¹ and No Closing Costs!²After 12 months, rate will change to a variable rate between 6.50%-12% APR.

How Can We Help
You Today?