Home Equity Line of Credit
Special Introductory Offer of 3.99% APR* for 12 Months,1 and No Closing Costs!2
A Home Equity Line of Credit (HELOC) from CCU Florida is a great way to be prepared for any emergency cash need or when you know you will need funds periodically for home repairs or improvements, college tuition, or other expenses you may not want to pay for with a credit card. A HELOC is also a great way to get your home ready for hurricane season or pay for storm-related repairs while you wait for an insurance claim to be settled.
You only make payments when you draw on your line of credit and have a balance due. Current Rates
- NO Closing Costs2
- Eligible property types include single family home, 2-4 family residence, townhouse, condo
- 30-year repayment term (15 year draw period)
- Primary residences can be financed up to 80% combined loan to value3
- Rental property can be financed up to 75% combined loan to value
- Rate adjusts quarterly based on Prime Rate as published in the Wall Street Journal
- Appraisal may be used to determine value
See our other Home Equity Products
Apply for a CCU Florida HELOC
Online
Current Members: Use the Mobile App or log in to eBranch Online Banking and your personal information will be pre-filled for you. In the 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 and leave the Member Number field blank.
By Phone
Speak to a Member Service Lender: 321.637.3211 (outside Brevard, 1.800.690.2338)
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.
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.
