Tap your home's equity for extra cash.

 

Home Equity Loans/Lines of Credit and Home Improvement Loans

home imrpovement-4-11Cities Credit Union offers competitive-rate home equity loans and lines of credit. Tap into your home's equity and make it work for you--whether you're looking to make home improvements, consolidate credit card debt, pay college expenses or take that long-awaited dream vacation.

Home Equity Loans

  • Fixed-rate loans with 5, 10 and 15 year terms
  • Low closing costs
  • No pre-payment penalties
  • Interest may be tax deductible (consult your tax professional for more information)
  • May require an appraisal
  • Apply now
Fixed Rate Home Equity Loans (effective date 1-9-17)
 TermAnnual Percentage Rate

LTV 80% or less

60 months2.74% - 12.75%
 120 months  4.24% - 14.24%
 180 months4.99% - 14.99%
LTV 80% - 90% (max LTV)60 months3.74% - 13.50%
 120 months5.24% - 15.00%
 180 months6.99% - 16.74%

Home Equity Line of Credit

  • Flexible borrowing power
  • Draw on your home's equity when you need the money (for up to five years)
  • Variable rate based on prime-rate adjusted quarterly
  • Low closing costs
  • Interest may be tax deductible (consult your tax professional for more information)
  • Apply now
Home Equity Lines of Credit (effective date 5-1-2016)
 TermAnnual Percentage Rate

LTV 80% or less

5 year draw
15 year loan
5.00% - 6.50%

Home Improvement Signature Loans

  • Update your home or make repairs with a home improvement loan
  • Up to 60 month loan term, $5,000 or less
  • Rates range from 6.74% - 10.25% (depending on credit)
  • Some restrictions apply - contact a loan specialist for more information
  • Apply now

 Cities Credit Union NMLS ID # 409685

 

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3625 Talmage Circle, Suite 102
Vadnais Heights, MN 55110

Phone: (651) 426-3773  |  Fax: (651) 426-0832  |  Toll-Free: 1-800-543-0935

NMLS ID#409685  |  Routing# 296076275