80% HELOC

CAN YOU FIND A BETTER RATE ON AN 80% HELOC? PROBABLY NOT.

Current APR Variable* 3.99% - 8.00%   [ View Full Rate Sheet ]
A home equity line of credit you can use on your terms.

Our 80% HELOC gives you the power to use your loan as often as you wish, up to your credit limit. Plus, it gives you the opportunity to borrow at great rates and gain valuable tax benefits because the interest may be tax deductible. The maximum credit line available is $100,000 and the minimum is $10,000.

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• Highly competitive interest rates
• Tax-deductible interest paymentsϮ
• Terms up to 15 years
• Very low closing costs
• Account access available in branch, phone and Web
• Maximum credit limit of $100,000

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APR = Annual Percentage Rate

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Introductory rate of 3.99% APR for the first year of the loan. Following the 1-year intro period, the APR will vary for the remaining life of the loan based on Prime Rate published in the The Wall Street Journal Money Rates Table plus a margin. Advertised APR is for "A" and "B" borrowers at a maximum loan to value at 80%. Maximum APR is 18%. Rate is subject to credit qualifications. Actual rate may vary. Home value is based on County tax assessment when available or Automated Valuation Methods (AVM). Member may choose to pay for a full appraisal if tax assessment or AVM is disputed. Property must be a single family home and owner occupied. Member must carry insurance on the property that secures this loan for an amount equal to or greater than the first and second mortgage amounts. Flood insurance may be required if property located in flood zone. Minimum loan amount is $10,000. Maximum loan amount is $100,000. Offer available to members who do not have existing HELOC. Members with existing HELOC will not be eligible without qualifying and may be assessed an origination fee of $150 for transferring their existing CommunityAmerica HELOC to the promotional rate. Early loan termination fees may also apply. Offer not valid in New York or Texas. Offer subject to change or expire without notice. Consult a tax advisor concerning tax-deductibility.

CommunityAmerica Credit Union knows you have dozens of choices on where to put your money. There are banks on every corner, each with a reason why you should deposit your money with them. But can any of them offer you ownership? At CommunityAmerica, membership means ownership. Join in to see what membership can mean for you.