Coastal Credit Union Home Equity Loan – You have worked hard for fairness. Let your actions work for you now. A home equity line of credit, or HELOC, is a convenient way to consolidate debt, pay for expensive home or car repairs, pay for home improvements and more. Once you’re approved for a line of credit, you only need to borrow what you need, when you need it.
Carolina Trust will pay up to $400** in closing costs as a down payment on your initial $5,000 line of credit.
Coastal Credit Union Home Equity Loan
*HELOC rate is based on the highest prime rate published on the 20th of each month in the Wall Street Journal Money Rate Table. The base rate is variable; when it changes, so does the APR on the home equity line of credit. The approved APR depends on creditworthiness. The maximum rate for a home equity line of credit is 15.50% APR. The minimum rate for a home equity line of credit is 4.49%. **If a line of credit is paid off and closed within 12 months of the opening date, a final deposit of up to $400 will be taken from the member’s account to cover closing costs paid on their behalf. Refinancing a current or past HELOC with a CTFCU on the same property will not result in a $400 lender credit. *** Consult a tax professional for more information.
Credit Union Blog
Loan approval and the approved interest rate depend on creditworthiness. You don’t need to be a member to apply for a loan, but you do before financing. Borrower is responsible for appraisal and/or title insurance costs, if necessary. Title insurance is required for loans of $50,000 or more. Flood and/or hazard insurance may be required. Closing costs depend on the loan amount. The minimum fixed rate loan amount is $20,000. The minimum credit limit (LOC) is $5,000 for the first down payment and $100 thereafter. Minimum monthly payment required is $100. Lender restrictions apply. A home equity loan, or LOC, is secured by a first or second mortgage on your primary one- or four-family residential property. Certain restrictions apply. Prices and conditions are subject to change. For more information, see the Credit Union.
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