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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.

Hybrid Home Equity Rates

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


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

Hybrid Home Equity Rates

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


Apply for a Hybrid HELOC Now

Features & Benefits

Credit Life Insurance

Choose loan protection to reduce or pay off your loan.

Credit Disability Insurance

Get protection for payments if you're not able to work.


Figure payments and more.

*CEFCU’s closing cost assistance offer is available for a limited time for qualified CEFCU members in good standing who are opening a Hybrid Home Equity of $10,000 or more using their owner-occupied home as collateral. To qualify, the home being used as collateral may not be for sale; Bridge Loans and Lot Loans are not eligible for closing cost assistance. Property insurance is required and not included in closing costs. Closing cost assistance excludes Transfer Taxes or Mortgage/Intangible Taxes (applicable in certain states but not applicable to Illinois or California properties). Contact CEFCU for details, including more specific information about third-party fees.

**Draw against your Hybrid HELOC for 10 years and take up to 15 years to repay.

Hybrid Home Equity Line of Credit (HELOC) is available in every state except Texas. No Home Equity products are available in Texas.

Home Equity lending not available on mobile homes.  A Hybrid HELOC using a manufactured home as collateral is subject to CEFCU’s manufactured home property eligibility requirements.  Contact CEFCU for details.  

NMLS#: 407798