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Home Equity Loans and HELOC
Home > Borrow > Real Estate Loans > Home Equity Loans and HELOC

Reach your goals with home equity

A TCT home equity loan or line of credit (HELOC) allows you to use the value you've built up in your home as collateral for a loan. The credit union HELOC provides you with a revolving balance, just like a credit card, that you can use to fund important goals like furthering your education, making home improvements, or consolidating debt. Please check with your tax advisor for qualifications. 

Home Equity Loan

Ideal for a large, one-time purchase or project. Fixed rate with a consistent monthly payment.

  • Terms from 5-15 years
  • Borrow up to 90% of your home's value

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Home Equity Line of Credit

You can decide when and how much to borrow by writing a check against the loan. 

  • Low 3-year introductory rate
  • Borrow up to 80% of your home's value

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VIEW HOME EQUITY RATES

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1Closing costs including the New York State Mortgage Tax will be paid by TCT Federal Credit Union on behalf of the borrower on Home Equity Loans and Lines of Credit up to $100,000. This is a special limited time offer available May 15 — July 15, 2018.  All Lines of Credit require a minimum initial advance of $10,000. If the HELOC or Home Equity Loan is paid and closed within 3 years of the closing date, the borrower will be required to reimburse the Credit Union for all closing costs paid on their behalf which will be added to the payoff amount of the loan.

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“I recently had the pleasure of working with TCT on a home equity loan that consolidated my mortgage, second mortgage, and credit card debt. I now save over $1,100 monthly without extending the remaining time on my mortgage loan. Talk about a lifesaver!”

— William G.

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