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Home Equity Loans and Lines

FMFCU's Home Equity Loans and Lines can make your home improvements a breeze! Not making improvements? Then use the money for bill consolidation, buying a car, or even paying for school tuition. Check out each option below. If you have questions about which loan is right for you, call us or stop in your local branch.

Home Equity Loan

Put the equity in your home to work for you with an FMFCU Home Equity Loan. If you know the exact amount you need, our Home Equity Loans are just right for you! Do you have a Home Equity Loan somewhere else? You could possibly lower your rate by transferring it to FMFCU.

Use for home improvements, tuition or debt consolidation
Financing up to 90% loan-to-value
Terms up to 240 months
Potential tax advantages (consult your tax advisor)
Fixed rates, fixed payments
Can be collateralized by owner and non-owner occupied
FAQs
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Home Equity Line of Credit

With a FMFCU Home Equity Line of Credit (HELOC), you can borrow just what you need, when you need it, and only pay interest on what you borrow.

Use for home improvements, tuition or debt consolidation
Financing up to 90% loan-to-value
10-year draw period
Potential tax advantages (consult your tax advisor)
HELOC convenience checks
Pay only on what you borrow
No cash advance fees
No annual fee
Rates as low as Prime minus 0.51% (as published in the Wall Street Journal)
FAQs

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** Internal transfers do not qualify. Annual Percentage Rate. The interest rate (APR) is based on the Prime Rate published in the Wall Street Journal. The rate may vary monthly. The Maximum rate is 18.00% APR and minimum rate is 4.00% APR. For information regarding other Home Equity Line of Credit products, contact a Member Service Representative. Offer to qualified borrowers for home loans and home equity lines of credit secured by your primary residence. Title insurance required for Loans and Credit Lines over $250,000.