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- What is a Hybrid HELOC (Home Equity Line of Credit)?
The Hybrid HELOC is the best of both worlds! It combines the flexibility of a HELOC, with the peace of mind of a Home Equity Loan. Members obtain a variable rate Line of Credit (base) in which they can “lock-in” portions of the balance at fixed rates, terms, and payments.
- Can I keep my current HELOC or Home Equity Loan?
Yes, your current HELOC or Home Equity Loan will continue under the original terms of your loan contract unless you choose to change.
- What will happen with my current HELOC or Home Equity Loan?
Your current HELOC or Home Equity Loan will not change and will continue under the original terms of your loan contract. If you wish to have a Hybrid HELOC instead, you can apply online at www.cefcu.com/apply, over the phone by calling 1.800.633.7077, or in person at a CEFCU Member Center.
- Why are you changing products?
The new Hybrid HELOC will allow us to offer a better product to members by combining the best features of the current HELOC and the fixed rate Home Equity Loan. The Hybrid HELOC will have multiple benefits for you, all in one single product!
- Will I have to pay to apply for a Hybrid HELOC?
You most likely will not have any fees when applying, but there are exceptions. If you have questions before or during application, please call the Home Equity department at 1.800.633.7077, ext. 33472.
- Does CEFCU’s Closing Cost program apply to the new Hybrid HELOC?
Yes! CEFCU’s limited time Closing Cost program will apply with the Hybrid HELOC. To learn more, visit www.cefcu.com/offer or call the Home Equity department at 1.800.633.7077, ext. 33472.
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