Bank
Home Equity Rates
Put the equity in your home to work with a City & County Home Equity loan. It's an affordable way to complete home renovations, pay down debt and give you peace of mind knowing you have access to cash when and if you need it.
Rates effective December 2024
Home Equity Loans
|
Loan |
APR as low as |
|---|---|
|
Up to 80% LTV up to 10 Years Up to 80% LTV up to 10 Years |
as low as 7.99% fixed APR |
|
Up to 80% LTV up to 20 Years Up to 80% LTV up to 20 Years |
as low as 8.24% fixed APR |
|
Up to 90% LTV up to 20 Years Up to 90% LTV up to 20 Years |
as low as 8.74% fixed APR |
Loan
Up to 80% LTV up to 10 Years
as low as 7.99% fixed APR
Loan
Up to 80% LTV up to 20 Years
as low as 8.24% fixed APR
Loan
Up to 90% LTV up to 20 Years
as low as 8.74% fixed APR
Home Equity Line of Credit (HELOC)
This rate may vary during the term of the loan not to exceed 18.00% APR.
|
HELOC |
Duration |
APR |
|---|---|---|
|
Up to 80% loan to value Up to 80% loan to value |
Up to 25 years with a 10 year draw |
Rate as low as 7.75% variable APR. Lock in all or a portion of your HELOC balance during the term of your loan into a fixed rate as low as 8.24% APR. |
|
Up to 90% loan to value Up to 90% loan to value |
Up to 15 years with a 15 year draw |
Rate as low as 8.50% variable APR |
HELOC
Up to 80% loan to value
Up to 25 years with a 10 year draw
Rate as low as 7.75% variable APR. Lock in all or a portion of your HELOC balance during the term of your loan into a fixed rate as low as 8.24% APR.
HELOC
Up to 90% loan to value
Up to 15 years with a 15 year draw
Rate as low as 8.50% variable APR
15 Year Rapid Refi Mortgage
|
Loan |
APR |
|---|---|
|
Up to 80% LTV up to 15 Years |
as low as 6.398% fixed APR & pay as low as $999 in closing costs |
Loan
Up to 80% LTV up to 15 Years
as low as 6.398% fixed APR & pay as low as $999 in closing costs
APR = Annual Percentage Rate. Actual Rates based on applicant’s credit qualifications, collateral, and loan terms.. Rates and terms subject to change at any time. All loans subject to approval. Contact CCCU Representative for details.
Home Equity Loans - Fixed Rate
APR ranges from 7.99% to 18.00%. Actual rate based on applicant’s credit qualifications, collateral, and loan term. Maximum term available is 240 months. Minimum loan amount is $25,000. Member is responsible for all closing costs. Closing costs including appraisal range from $300-$3,000. Member responsible for cost of appraisal regardless of completion of loan. Appraisal fees may range from $102-$1,000 depending upon location. Payment per $10,000, 80% Loan-To-Value is approximately $121.28 at 7.99% APR for 120 months, $85.15 at 8.24% APR for 240 months, and 90% Loan-To-Value is approximately $88.31 at 8.74% APR for 240 months. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.
Home Equity Lines of Credit (HELOC)
The Lockable HELOC has both variable and fixed rate advance options. Minimum loan amount to convert HELOC to fixed is $5,000. Rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin, applicants credit qualifications, and collateral. Rate floor is 4% and will not exceed 18%. Lockable rate is based on available 20 year Fixed Home Equity 80% Equity rate. Payment is the greater of 1% of outstanding balance or $50. Member is responsible for all closing costs. Closing costs including appraisal range from $300-$3,000. Member responsible for cost of appraisal regardless of completion of loan. Appraisal fees may range from $102-$1,000 depending upon location. Homeowners insurance is required. CCCU $5 membership required. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.
15 Year Rapid Refi Mortgage
Closing cost offer for mortgage refinances only. Appraisal fee will vary and is the responsibility of the applicant if the loan is not consummated. Total savings may vary. Payments do not include applicable taxes and insurance, so actual obligation will be greater. $999 closing cost offer good for loans up to $200,000. Loans above $200,000 up to $647,200 closing cost is $1,250. Rates can change daily. Payment example: A $100,000 mortgage rate of 6.24% for 15 years would have a principal and interest payment of $856.88. Assuming 80% Loan to Value, the resulting APR would be 6.398%. New Money Only. Minimum loan amount of $25,000.