Man calculating expenses and writing them down.

Consolidate Debt

In today's fast-paced world, managing multiple debts can be overwhelming and financially draining. However, there's a silver lining – your home equity. With a Capital Credit Union Home Equity loan, you have the opportunity to harness this hidden value to consolidate your debts effectively. By embracing your home equity, you open doors to saving on interest expenses, streamlining your monthly payments, and accelerating your journey to debt freedom.

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Bring your Debt under one roof

Consolidate high-interest debt into one manageable payment and take control of your finances.

Credit Card Debt

Say goodbye to high-interest rates and endless payments. With a Capital Credit Credit Union home equity loan, you can consolidate your credit card debt into one manageable monthly payment.

Medical Debt

Health challenges can bring unexpected financial burdens. It's time to relieve the stress of medical debt and rebuild your financial future

Student Loan Debt

Student loans shouldn't hold you back from your future. It's time to break free and build the financial future you deserve

Competitive rates and flexible terms

Home Equity Loans - Fixed Rate Mortgage

Term	Rate*	APR	Monthly Payment**
5 year Fixed	6.490%	6.592%	$489.06
7 year Fixed	6.625%	6.701%	$372.78
10 year Fixed	6.750 %	6.807%	$287.10

Home Equity Loans - Adjustable Rate Mortgage (ARM)

Term	Rate*	APR	Points	Monthly Payment**
3 year ARM⁺	6.490%	7.440%	0.000	$186.30
5 year ARM⁺	6.490%	7.201%	0.000	$186.30

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Rates effective 11/22/2024

*Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value.

**Displayed rates and payments based on a second mortgage and assume a property value of $250,000, loan amount of $25,000 (10% of value), and a first mortgage less than $175,000 or 70% of the value of the home/property and a minimum credit score of 740. Additional rates and terms are available. This monthly payment does not include taxes or insurance.

⁺Adjustment could occur after initial term. Adjustment is based on an index of UST1YW (1-year Constant Maturity weekly average yield) plus margin of 3.5%. Maximum annual adjustment is 2%; maximum over the life of the loan is 5%. No conversion option. Additional rates and terms are available.

Capital Credit Union NMLS#442983