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Hybrid Home Equity Line of Credit
Get the best of both worlds with our new Hybrid Home Equity Line of Credit (HELOC). Enjoy the features of a Home Equity Line of Credit along with the peace of mind of a fixed-rate Home Equity Loan.

Get the flexibility to borrow only what you need, when you need it.
PLUS


The option to lock-in your balance with a fixed-rate product.
What are my benefits with a Hybrid HELOC?
We're glad you asked! With a CEFCU Hybrid HELOC, you get the best of both worlds.
- Use the value in your home for those much needed home repairs, major purchases, or tuition — and so much more.
- Lock in a fixed-rate on a portion of your line to keep your payment just that.... fixed!
- Easy access to your Home Equity funds with CEFCU On-Line® and Mobile Banking.
Not to mention, you get the great benefits of a CEFCU Loan:
- No pre-payment penalties
- No closing costs*
- Personal service
- Plenty of payment options — online, automatic payments, in-person, or over the phone
How much Equity?
Home Equity Example
Appraised Home Value | $100,000 |
Multiply by .80 | 0.80 |
Equity | $80,000 |
Balance due on first mortgage | -$60,000 |
Approximate amount Hybrid Home Equity Rates | $20,000 |