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CT Firefighters Federal Credit Union
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Home Equity

Let the equity in your home work for you

With Home Equity loans and lines, members have access to funds at their fingertips. Discover our loan and line of credit options and apply securely online with CTFFCU.

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Home Equity Options


Home Equity Line of Credit

A Home Equity Line of Credit is flexible and personalized to your needs, since you can use your loan when you want, where you want and however you want.

  • 10-year draw, 10-year payback HELOC’s
  • Low variable interest rate tied to Wall Street Journal Prime Rate
  • Interest only
  • No annual fee or inactivity fees
  • Your interest may be tax deductible (consult your tax advisor)
  • Up to 80% Loan to Value available for qualified borrowers
  • Convenient access to your line of credit online, by telephone, or writing a check

Fixed Home Equity Loan

Whether you are looking to give your home a new look, buy a new car, pay for a wedding, or consolidate debt, a Home Equity Loan with a low fix rate can address your specific objectives.

  • 5,10-, and 15-years terms
  • Fixed monthly payments available
  • No closing costs or application fees
  • Low interest Rates
  • Your interest may be tax deductible (consult your tax advisor)
  • Up to 80% Loan to Value available for qualified borrowers

Fixed rate Home Equity Loan Disclosure: Minimum loan amount is $10,000 and maximum loan amount is $250,000 for terms up to 180 months with loan to value up to 80%. Loans will be made against your primary residence, single family homes located in the state of CT. Property insurance is required. No closing cost apply. A Home Equity loan of $10,000 with a 5-year term at 4.99% APR* results in 60 monthly payments of approximately $18.41 per $1,000 borrowed. Payments do not include amounts for taxes and insurance premiums; if applicable, the actual payment obligation will be greater. Please call Stela for more information at (860) 246-5236 ext. 113. APR = Annual Percentage Yield.

Variable rate HELOC Disclosure: Maximum loan amount conditions and loan to value conditions may apply. Minimum loan amount is $10,000 and maximum loan amount is $250,000. Loans will be made against your primary residence, single family homes located in the states of CT. No closing cost apply. Property insurance is required. Home Equity Lines of Credit are variable rate loans. Your rate may vary and will be based on the Wall Street Journal Prime Rate, but it will not exceed 9.25% APR or be less than 3.25% APR. Please call Stela for more information at (860) 246-5236 ext. 113. Prime = Wall Street Journal Prime Rate.

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