The Better Way to Bank®

Personal Banking

Home Equity Loans

This fixed-rate second mortgage loan features competitive rates and terms, with no points or pre-payment penalties. This loan can be used to fix up the house, consolidate debt, pay for education expenses and more.

Benefits include

Home Equity Line of Credit

This line-of-credit second mortgage loan features the same competitive rates and terms, with no points or pre-payment penalties. It too, can be used to fix up the house, consolidate debt, pay for education expenses and more.

Benefits include

  • Competitive rates based on Wall Street Prime Rate
  • Revolving line-of-credit offering multiple advances by home equity Visa credit card
  • Flexible ten-year draw period with repayment terms of 15 years
  • Potential tax advantages (consult your tax advisor)
  • Credit lines from $10,000 to $100,000.
  • Credit card access. Your line of credit is tied to a credit card for easy access. You may use your home equity line of credit as often as you wish to make purchases anywhere Visa is accepted.
  • Automatic loan payment. Sign up for Autopay and you never have to worry about mailing a payment again.
  • Get an estimate of the equity in your home, click here.

Home Equity Line of Credit CardBest of all, your home equity credit line is available for ten years. During that time you have access to the money you need for the things you want!

Call or apply online today:

1-800-288-7618 or 636-916-8300

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), requires credit union mortgage loan originators (MLO) and their employing institutions to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Once registered, each MLO is provided a unique identifier from the NMLS. Below is a list of the MLO's employed by 1st Financial Federal Credit Union Credit Union (NMLS ID # 408163).

Click here for MLO list.

For more information about the registry, please visit the NMLS at www.nmlsconsumeraccess.org

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