Home Equity Lines of Credit

Don't Miss This Special Introductory Rate Offer!
1.99% APR for 12 months1
After that, rates as low as 4.00% APR2

A Home Equity Line of Credit from Community Credit Union of Florida is a great way to be prepared for any emergency cash need, or when you know you will need funds only periodically for expenses such as home repairs or improvements, college tuition, or other expenses that you may not want to pay for with a credit card. You only make payments when you draw on your line of credit and have a balance due.

Closing costs are as low as $199*!

Be Ready for Hurricane Season! A CCU HELOC is a great way to pay for repairs that can prevent storm damage, purchase a generator, or pay for storm-related repairs while you wait for an insurance claim to be settled.

Community Credit Union Prime Rate Home Equity Line of Credit:.

  • Eligible property types: single family home, 2-4 family residences, townhouse, and condos
  • 30 year repayment term (15 year draw period)
  • Primary residences and second homes can be financed up to 100% combined loan to value.
  • Rental property can be financed up to 75% combined loan to value
  • Adjustable interest rate2
  • Adjusts quarterly based on Prime Rate as published in the Wall Street Journal2 
  • Appraisal may be used to determine value

Check out our low rates!

See our other Home Equity Products

How to Apply for a Community Credit Union HELOC:

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 HELOC 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. 
 

Here is information that can help you get ready to borrow at a great rate:

BalanceTrack - World of Credit Reports

1 Special introductory rate for 12 months. Thereafter, the Home Equity Line of Credit will have a variable rate between 4.00% - 12.00% APR. Rate current as of July 1, 2017.

2 Rates are based on credit score, combined LTV, term, plus a margin. Rates and programs are subject to change without notice. Annual Percentage Rate may change quarterly, which may increase your monthly payment. Details available from CCU.
*Loan amount under $100,000.  Borrower pays valuation fee, if applicable.  Cannot be combined with other offers.
 

24-Hour Account Information: 321.631.4611

Member Services: 321.690.2328 / 800.690.2338

Apply for a Loan: 321.637.3211

Routing Number: 263182037

NCUA
Equal Housing Lender
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