Home Equity Loans

The Equity in Your Home Can Enhance Your Life

Turn the equity you’ve acquired in your home into something that makes life even better with a CCCU Home Equity Loan. You can use it to pay for college, remodel the house, buy a car or consolidate debt into one easy payment, for example. The more time you’ve spent in your home, the more equity you have to work with. All our Home Equity Loan options have these features:

  • Available in all 50 states
  • Finance up to 90% of available equity (property value less first mortgage balance)**
  • Primary residence only
  • Competitive rates with low closing costs
  • Quick loan approval
  • No prepayment penalty

Types of Home Equity Loans

Home Equity Closed-End Loan

With this traditional loan, you receive your payout in one lump sum.  Here are features in addition to the list above:

  • Fixed rate for the life of the loan
  • Flexible terms: 5, 10 and 15 years
Home Equity Line of Credit (HELOC)

When you need a line of credit to draw on as needed up to a fixed amount, consider our HELOC. The following are the features of this type of loan:

  • Variable rates based on prime rate +/- a margin***
  • No annual fee
  • Easy access to funds via online banking
  • 5 year draw period with 15 year repayment period
  • Annual rate cap of 2%

Rates and Terms

See our Rates and Terms here.

Apply Right Here

Apply for a Home Equity Loan.
Apply for Closed-End Equity Loan.

Got More Questions?

Contact us at 404-676-2586 inside Atlanta, 877-277-2586 outside Atlanta, and ask for a mortgage specialist for more information on our Home Equity lending options.

*All loan programs are subject to credit approval; rates may vary depending on individual credit history and underwriting factors; all loan programs, rates and conditions are subject to change at any time without notice.

** Property value will be determined by an appraisal report or Automated Valuation Method (AVM). Property value on properties owned for less than 12 months will be determined by the lesser of the current appraised value or purchase price.

*** Rates adjust quarterly based on the published Wall Street Journal Prime Rate as of the last day of each quarter. HELOC’s carry a minimum rate of 4.0% and a maximum rate of 18%

Note: Texas properties are limited to 80% of the available equity. Other restrictions apply to Texas properties. Please call for more details.
Privacy Policy

Home Equity Loans Disclosure




Need a loan for a new car, home, or college education? We can help! Check out our competitive rates and apply today.






10.25% APR** APPLY NOW



Credit Union Closing Early

The Financial Solutions Center at the Atlanta Office Complex will be closing at 12 noon today, Friday December 8th, due to inclement weather.  We will reopen at 9 am Monday, December 11th.


Credit Union ATM Removal- NAT12

The CU ATM located on NAT12 at the Atlanta Office Complex has been removed.  Look for a new, refreshed ATM coming Spring 2018 near the Load Card machine in the TEC corridor, near YETU. 

Use our Locator to find a shared branch or surcharge-free ATM near your location.


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Several updates have been completed recently to enhance your banking experience.  For the latest updates, including answers to Frequently Asked Questions, visit our Enhancement Updates page.


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