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CCCU Home Equity Loans & Lines of Credit

A home equity loan or home equity line of credit (HELOC) for your home can cover major expenses: home improvements, a safety net, college tuition and many other life circumstances.

Understanding your needs and your goals are the first steps in finding your best option. Come in and meet with us. We’ll answer your questions, explain our loans and help you through the process.

Our home equity loans and lines of credit were designed for you, which is why you will enjoy:

  • Low closing costs
  • Competitive rates
  • No hidden fees
  • No prepayment penalties

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Fixed Rate Home Equity Loan

A fixed rate home equity loan allows you to borrow in one lump sum and lock into a low, fixed rate with a dependable monthly payment.

  • 10, 15 or 20 year terms
Apply for a Home Equity Loan

The Lockable HELOC

What's a line of credit? It gives you the flexibility to advance funds as you need them, up to a pre-set limit. The Lockable HELOC is a variable rate line of credit, but has the special option to lock in up to 3 fixed-rate loans.

  • Terms vary
Apply for a HELOC

HELOC vs Fixed Rate Loan

Are you unsure which is right for you? Call, email or visit us. We’ll explain the differences, the costs, the benefits and the risks.

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View today's rates and start calculating your option

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Use our online application to get started today. If you have questions along the way, reach us at (651) 225-2729 or

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City & County Mortgage

Looking to buy or sell a home? Find our online application, calculators, FAQs and other resources at our Mortgage Center.

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Home Equity Disclosures

Added Benefits and Programs for CCCU Members

Whether you're buying or selling a home or both, Servion, owned and endorsed by your credit union, can help you through the entire process. In addition, Servion will sell your home at a much lower commission rate than the competition, saving you thousands of dollars on your sale! Contact Servion for more information.

City & County Credit Union members also can save money with TruStage Home Insurance. Get a quote today!


For added security, City & County Credit Union members can protect their HELOC with Debt Protection. Debt Protection can help your family by canceling loan payments or even your loan balance, up to the contract maximums, when you are faced with an unexpected protected event such as loss of life, disability, or unemployment. Contact us for more information on Debt Protection.


TruStage coverage provided and underwritten by leading insurance companies, including Liberty Mutual Insurance Company and its affiliates, 175 Berkeley Street, Boston, MA. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state regulations allow. The insurance offered is not a deposit and is not federally insured or guaranteed by City & County Credit Union.

Fixed Rate Home Equity Loan

Minimum loan period is 60 months. Maximum loan period is 240 months. Maximum Annual Percentage Rate (APR) is 4.188% for 60% Loan To Value (LTV) with a 240 month loan term as of 12/1/2016. The maximum APR is 4.307% for 80% Loan To Value (LTV) with a 240 month loan term as of 12/1/2016. A $25,000 loan for 60 months at a rate of 3.99% would result in a monthly payment of $460.31 and an APR of 4.188% APR, assuming 60% LTV. No closing costs. Member must pay appraisal fee regardless of opening the loan. Appraisal fees generally cost between $425 to $650 for a single family home. Loan payment and APR will vary based on the loan amount, the term and other credit qualification. Rates are subject to change. Other restrictions may apply.

Home Equity Line of Credit

A City & County Credit Union home equity line of credit has a 15 year draw with no minimum draw period. For 60% Loan To Value (LTV), the rate is Prime-.25%. For 80% LTV, the rate is Prime+.25%. Monthly payment is based on the loan balance. Minimum monthly payment is 1% of the loan balance. If the loan balance is $10,000, the monthly minimum payment is $100. No closing costs. No draw or advance fee. No annual fee. Member pays appraisal fee regardless of taking out the loan. Appraisal fees generally costs between $425 to $575 for a single family home. Loan payment and APR will vary based on the loan amount, collateral and other credit qualifications. Rates are subject to change. Other restrictions may apply.

The Lockable HELOC

APR=Annual Percentage Rate. The Lockable HELOC has both variable and fixed rate advance options. $50 fee to lock in rate. Rates subject to change. Variable rates will not exceed 18% APR. Rate presented on a 25 year term and assumes 80% loan-to-value (LTV). Interest may vary based on credit, LTV, and amount financed. Closing costs do not include a standard appraisal fee if required to complete loan, the average cost is $475. Cannot use loan proceeds to pay off an existing CCCU loan. Minimum loan amount $10,000, minimum loan amount to convert HELOC to fixed is $5,000. Property insurance required; flood insurance is also required if the property is in a special flood hazard area. Equal Housing Opportunity.

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