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Home Equity Line of Credit

 



Our home equity line of credit -- or HELOC -- is an open-end loan based on the value of your home minus your mortgage balance. Members can use these funds for home improvements, large purchases, travel & vacations, college tuition, renovations and other needs.  Now, TTCU will pay your CLOSING COSTS!*   

Interested? Apply today.

To apply, simply click the button below to get started.


Members can also apply using the TTCU Mobile App -- and click on "Loan Apply" at the bottom of the log on screen. 

If you prefer, you may speak with a loan officer to discuss your needs.  Simply call 800-622-2535 (Mon-Fri, 8 AM-4:30 PM Central Time) and ask the TTCU member service representative to connect you with a loan officer.  Or, visit any TTCU branch office to learn how a home equity line of credit might be the financial solution for your needs.  Our loan officers look forward to assisting you.  

Note:  The interest paid on a HELOC may be deductible under Federal income tax laws; contact your tax consultant for more information on the types of purchases that qualify.




*No closing costs promotion on HELOCs up to $50,000 is effective April 1, 2018 and is subject to change or may be withdrawn at any time. Offer valid on new HELOCS only. To qualify for no closing cost promotion, a minimum $10,000 advance must be taken at time of funding. If HELOC is paid off and closed within 12 months of closing date, there is a recapture fee in which you will have to reimburse TTCU for closing costs paid on your behalf.  The Annual Percentage Rate (APR) is based on evaluation of applicant’s credit qualifications and associated Loan-to-Value (LTV) ratio. The variable APR in effect for your account, as low as 4.75% APR, based on the Prime Rate as disclosed in the Wall Street Journal plus or minus a margin based on your credit history. The variable rate is subject to change each quarter thereafter as stipulated by your original terms and conditions. Maximum APR is 18%. Other conditions may apply. Advance amounts must be within your existing credit limit. You may not pay off or make payment to other TTCU loans, credit cards or accounts with these proceeds. Membership with TTCU is required to obtain a loan.