Now is the time to take advantage of the low interest rates on a Home Equity Line of Credit! 

Getting ready to do a little remodeling? A Home Equity Line of Credit (HELOC) is a great way to get those changes funded at a lower interest rate than say a credit card and may even be a tax write off*.

Features:

• 90% Loan-to-Value with a maximum amount of up to $100,000
• 80% Loan-to-Value with a maximum amount of up to $500,000
• No closing costs
• Owner occupied properties
• 5% Interest Rate Floor
• 2% Annual Cap; 16% max lifetime annual percentage rate
• Review period – 6 months
• Waived fees up to $500 may be recouped if you close within the first 3 years
• Tied to Wall Street Journal prime rate margin 1.00%

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*Consult a tax advisor regarding the deductibility of interest.

Variable Annual Percentage Rate (APR) equal to The Wall Street Journal Prime Rate currently 5.00% and a maximum APR of 16.00%. Not all borrowers receive the lowest rate. APR will depend on a variety of factors, including term of loan, a responsible financial history, income and other conditions. Maximum of $100,000 up to 90% Combined Loan to Value (CLTV) (with credit score above 720); Maximum of $50,000 up to 90% CLTV (with credit score above 680). To qualify, a borrower must be a U.S. citizen or permanent resident and meet Firefighters First Credit Union underwriting requirements. Minimum Home Equity Line of Credit amount is $10,000. Non—owner occupied properties are not eligible. There are no fees for opening the plan. Early closure fee of $500 will apply if the account is closed within three years from the date of account opening. Refinance of an existing HELOC originated within two years will be subject to full closing costs. Terms and Conditions Apply. FIREFIGHTERS FIRST CREDIT UNION RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. Rates and Terms are subject to change at any time without notice and are subject to state restrictions. Mortgages available in Arizona, California, Colorado, Hawaii (1st TD only), Idaho, Montana, Nevada, New Mexico, Oregon, Texas (1st TD only), Utah and Washington. This information is current as of 5/1/19, and is subject to change. NMLS #649058.

Mortgages available in Arizona, California, Colorado, Hawaii (1st TD only), Idaho, Montana, Nevada, New Mexico, Oregon, Texas (1st TD only), Utah and Washington.