Choose a Loan or Line of Credit
Limited-Time HELOC Special
A home equity line of credit, or HELOC, works like a credit card with the flexibility to borrow again and again. You pay interest only on the amount borrowed, not the total credit line amount.
For a limited time only, for the first 6 months receive:
5.99% APR¹
Afterwards, rates as low as
7.50% APR¹
Minimum $10,000
On top of a great rate, take advantage of:
- No closing costs for loans $10,000 or more!²
Home Equity Loan Special
For large, one-time expenses, a home equity loan may be your best option. The payments remain the same with one low fixed rate over the life of the loan.
Home Equity Loans as low as:
6.50% APR³
for 60-months
- No closing costs for loans $10,000 or more!²
Home Equity Loan and Line of Credit Calculators⁴
DISCLOSURES
APR = Annual Percentage Rate.
1. Your rate may be higher based on your creditworthiness and property valuation. Minimum loan amount $10,000. Title insurance for loans $250,000 and greater paid by member. Rate quoted is as of 4/3/2025, based on a HELOC with a 10-year draw period, 20-year repayment period and a Loan-to-Value (LTV) up to 80%. The HELOC rate is a variable rate and is based on Wall Street Journal Prime. Minimum interest rate 7.50% - Maximum interest rate 8.75%. For example, a $25,000 10-year Home Equity Line of Credit with a 7.50% interest rate and an 80% Loan-to-Value (LTV) will have an APR of 7.50%, 120 payments of $297.05; total finance charges of $10,646.10 for a total payment of $35,646.10. Rates subject to change at any time. Rates will be no less than Florida Credit Union’s minimum interest rate. This discount promotion cannot be combined with other Florida Credit Union promotions. Limited time offer and subject to change without notice.
2. No closing costs with $10,000 minimum loan amount; conditions apply. Title insurance for loans $250,000 and greater paid by member.
3. Your rate may be higher based on your credit worthiness and property valuation. Minimum loan amount $10,000. Title insurance for loans $250,000 and greater paid by member. If loan is paid off within 24 months of the loan consummation, then the borrower is required to reimburse FCU for any closing costs paid by FCU. Rate quoted is as of 05/01/2025. For example, a $25,000 60-month home equity loan with an 6.50% interest rate and an 80% Loan-to-Value (LTV) will have an APR of 6.50%, 60 payments of $489.35; total finance charge of $4,361.21 for a total payment of $29,361.21. Minimum interest rate 6.50% - Maximum interest rate 11.74%. Rates will be no less than Florida Credit Union’s minimum interest rate. This discount promotion cannot be combined with other Florida Credit Union promotions. Limited time offer and subject to change without notice
4. The calculators found on this page are for information purposes only. While the results of the calculators may be generally accurate, the results do not reflect any specific Credit Union accounts, loans or other products or services and may not exactly match the calculation methods used by the Credit Union (or any third party) for accounts, loans or other products or services. These calculators should be used only for general informational purposes and should not be relied on for any specific transaction.