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One loan. Endless possibilities.

Maximize the equity in your home

with a City & County Home Equity Line of Credit.

Learn More



Create the backyard paradise you’ve been dreaming of, cover an unexpected expense or simply add extra wiggle room to your wallet – the possibilities are endless with a City & County Home Equity Line of Credit.

  • 1.99% intro rate for 6 months, then rate adjusts to HELOC rate (currently as low as 4.00% APR)
  • Use funds as you need them, up to a pre-set limit
  • No annual fees or prepayment penalties
  • Low closing costs


Terms and Conditions

APR=Annual Percentage Rate. The Lockable HELOC has both variable and fixed rate advance options. Minimum loan amount to convert HELOC to fixed is $5,000. After introductory period, rate may vary based on Wall Street Journal (WSJ) Prime Rate plus disclosed margin, applicant’s credit qualifications, and collateral. Rate floor is 4% and will not exceed 18%. Payment is the greater of 1% of outstanding balance or $50. No closing costs. Member is responsible for cost of appraisal regardless of completion of loan. Appraisal fees may range from $102 - $1,000 depending upon location. Rates subject to change at any time. Other restrictions may apply. Contact us for additional details.

We had never renovated before, but with two growing kids and only two bedrooms, we knew we needed to either renovate or move. My husband’s cancer diagnosis in 2018 made things even tougher. So we approached CCCU about a home equity line of credit. We got approved and added two bedrooms to our home. And the best news? My husband is in remission now.



Member Since 2018