Home Equity Loans and Lines of Credit


Put Your Home to Work for You!

A Fairfax County Federal Credit Union Home Equity Loan or Home Equity Line of Credit allows you to borrow against the value of your home for most any purpose - like building a dream kitchen for instance! You can also use the funds to consolidate high interest debt, pay for tuition, a dream vacation, or any other major purchases. Plus, interest on your Home Equity Loan or Line of Credit may be tax deductible, (please consult your tax advisor). 

Home Equity Loan

Get the money you need in a convenient, single payout for debt consolidation, home improvements, medical expenses or most any other purpose.

  • Competitive fixed interest rates
  • Terms for 5, 10, 15, and 20 years to fit your budget
  • Borrow up to 95% of your home’s value*
  • No prepayment penalties or annual fees
  • Available on primary residences and second homes

Home Equity 10 Year Fixed Balloon Loan**

Borrowers looking for purchase money, refinances and standalone home equity funds will appreciate the benefits of:

  • Low payments based on 30-year amortization
  • Competitive Fixed Annual Percentage Rate
  • CLTV up to 95%

Home Equity Line of Credit

Our variable rate option provides you with a revolving line of credit, giving you the flexibility to borrow what you need, when you need it.

  • Affordable payments for up to 30 year terms
  • Borrow up to 95% of your home’s value*
  • Reusable line of credit for home renovations or consolidate debt
  • Finance major purchases such as vacations and weddings
  • No prepayment penalties or annual fees

View our Current Rates

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*Minus first mortgage balance. Certain fees, conditions and restrictions may apply. Home Equity Lines of Credit and Home Equity Loans are secured by your home. If you're paying off an existing real estate loan, the Credit Union does not cover costs imposed by other lenders, if any. Rates and terms subject to change without notice. Loan approval subject to credit evaluation.

**The Home Equity 10 yr Balloon contains a balloon provision. This means that even if you make all payments in full and on time, the loan will not be paid in full by the end of the final payment date. A single balloon payment covering the remaining outstanding balance will be due and payable. Only 2nd position lien loans qualify.

Loans available for homes located in DC, MD, DE, VA, WV, NC and SC.

FCFCU NMLS# 401513