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Home Equity Loans from Community Choice

Home Equity

Got BILLS? Consolidate 'em.

When you consolidate your BILLS with a Home Equity Line of Credit (HELOC) from Community Choice you'll appreciate NO CLOSING COSTS!

You can also use a HELOC for a vacation, a home remodel you've been putting off, or just some quick things around the house!

Put your home's equity to work for you with a Home Equity Line of Credit from Community Choice, and get started in less than 60 seconds! 



Only $10/mo for every $1,000 borrowed!*

Tap into the equity you've built up in your home with a Home Equity Line of Credit from Community Choice.

  • Pay off debt
  • Fix up your home
  • Use it for education
  • Go on a trip
  • Easy access! Whenever you need more money, access it through online banking.
  • It's your money. Use it however you want.



*Minimum credit line $10,000

Home Equity Line of Credit (HELOC) rates are subject to change quarterly on the first day of each January, April, July, and October. That rate is based upon the prime rate plus .50% for up to 85% loan to value (LTV), currently 4.00% APR and prime plus 1.50% for those loans over 85% loan to value (LTV), currently 4.75% APR. Those rates have a minimum floor rate of 4.00% APR and a maximum ceiling rate of 15% APR. You can obtain credit advances for 10 years. The length of the repayment period will depend on changes in the interest rate and the balance at the time of the last advances but it will not exceed 20 years.  Minimum payments required of at least $50.00 or 1% of the outstanding balance, whichever is larger. Minimum line amount is $10,000.00 and minimum advance is $100.00. Credit union will cover all closing costs! Proof of homeowner insurance required. Rate and loan approval are subject to credit qualification, property condition, and loan to value ratio. Please consult your tax advisor on tax deductibility. APR = Annual Percentage Rate.


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If you're not a member:
Terms and Conditions

Community Choice Credit Union will contact you for additional information to best serve your financial needs. Community Choice Credit Union may obtain a credit report in order to better identify areas in which you could receive better interest rates and potentially save money. All credit offers will be subject to credit score and complete analysis. Community Choice Credit Union will not share information collected with outside organizations.

You’re done. Feels good, doesn’t it?

A representative from our crack team of highly-trained UNbankers will be in touch with you shortly!

Until then, just sit back and bask in the glow of the smart financial decision you just made! Maybe tell a friend and gloat a little? Why not, right?


Before you go, we want to tell you about our current credit card offer!

Okay, yeah. We know. But hear us out — if you're carrying a balance on a high-interest credit card, you can transfer your balance to us and we will NEVER CHARGE YOU A BALANCE TRANSFER FEE.

Interested? Click the button. That's all you have to do. No extra questions. No wasted time. Nothing to lose.

I'm interested

That's it. That's all we need. Really.

Loan rates and approval subject to credit score and analysis. See credit union for details. Loan rates subject to change without notice. Equal opportunity lender. This credit union is federally insured by the National Credit Union Administration.
See current loan rates and disclosures.