Space coast credit union home equity loan

Gold Coast now offers first mortgages!

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dream of home ownership.

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Space coast credit union home equity loan

A more relevant kind of CD

Grab a great rate with our new Certificate of Deposit special

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Join us in helping

Many of us were lucky this time. Let's help those who were not as fortunate.

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Is your house sitting on equity?

We have loan options for you.

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Our community involvement.

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Not Sure Which Product Is Right For You?

No worries! A First Coast loan officer will be happy to sit down with you and take whatever time is necessary to review your choices. After learning about your needs, timeframe, and qualifications, we can help get you quickly approved for your best Home Equity Line option.

It’s Easy To Apply!

Our loan officers are ready – call (386) 328-5555 or stop by any branch.

The fixed annual percentage rate under this plan is not based on an index. It is based upon a fixed rate and the market conditions at the time of commitment. Owner occupied property only. Property and flood insurance may be required. Credit approval, satisfactory appraisal and other conditions apply. Credit Union will pay all closing fees generally ranging from $0.00 to $1,350 except for the member paid appraisal and if HELOC is closed within 24 months of the open date. Home Equity Lines of Credit are available up to $250,000.

New American Funding

Last Updated: 10/15/2022

Cash-Out and Home Equity Options Available.

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Conditions:
Cash-Out and Home Equity Options Available.

  • Home Improvement, Buy a Vacation Home
  • 222k+ positive reviews, A+ rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available

BMO Harris Bank

Last Updated: 10/14/2022

Equal Housing Lender

NMLS ID: 401052

3.990% Intro APR
7.640% After Intro PeriodIntro Period: 6 months 7.640% Rate $0 Min. Initial Draw Amount

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Conditions:
Variable Intro Rates As Low As 3.99% APR For 6 Months With As Low As 6.44% APR Thereafter*

  • Low Intro Rates on a BMO Home Equity Line of Credit. Apply Online Today!
  • Special Offer - Apply Now
  • Easy Online Application – No Branch Visit Needed
  • Flexible Terms and Rates

Bethpage Federal Credit Union

Last Updated: 10/14/2022

Equal Housing Lender

NMLS ID: 449104

5.740% Intro APR
6.750% After Intro PeriodIntro Period: 12 months 6.750% Rate $25,000 Min. Initial Draw Amount

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Conditions:
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.

  • Rates as low as 5.74%.
  • Prime Rate as of 9/23/2022=6.25% (Wall Street Journal).
  • No application or closing costs
  • Flexible credit - only pay for what you use

Hancock Whitney Bank

Last Updated: 10/14/2022

2.990% Intro APR
6.400% After Intro PeriodIntro Period: 6 months 6.400% Rate $0 Min. Initial Draw Amount

VyStar CU

Last Updated: 10/14/2022

6.000% Intro APR
5.750% After Intro PeriodIntro Period: 36 months 5.750% Rate $10,000 Min. Initial Draw Amount

Valley National Bank

Last Updated: 10/14/2022

4.490% Intro APR
6.000% After Intro PeriodIntro Period: 12 months 6.000% Rate $0 Min. Initial Draw Amount

Truist Bank

Last Updated: 10/14/2022

5.550% Intro APR
6.450% After Intro PeriodIntro Period: 12 months 6.450% Rate $0 Min. Initial Draw Amount

Members First CU

Last Updated: 06/25/2019

5.500% APR 5.500% Rate $0 Min. Initial Draw Amount

Fifth Third

Last Updated: 10/14/2022

2.990% Intro APR
6.150% After Intro PeriodIntro Period: 6 months 6.150% Rate $0 Min. Initial Draw Amount

HSBC

Last Updated: 10/14/2022

4.740% Intro APR
7.850% After Intro PeriodIntro Period: 12 months 7.850% Rate $25,000 Min. Initial Draw Amount

Regions Bank

Last Updated: 10/14/2022

0.990% Intro APR
6.750% After Intro PeriodIntro Period: 6 months 6.750% Rate $0 Min. Initial Draw Amount

Space Coast CU

Last Updated: 10/14/2022

6.500% APR 6.500% Rate $0 Min. Initial Draw Amount

Grow Financial FCU

Last Updated: 10/14/2022

7.250% APR 7.250% Rate $0 Min. Initial Draw Amount

Capital City Bank

Last Updated: 10/14/2022

2.990% Intro APR
6.750% After Intro PeriodIntro Period: 6 months 6.750% Rate $10,000 Min. Initial Draw Amount

Webster Bank

Last Updated: 10/14/2022

5.490% Intro APR
6.990% After Intro PeriodIntro Period: 12 months 6.990% Rate $25,000 Min. Initial Draw Amount

BMO Harris Bank

Last Updated: 10/14/2022

3.990% Intro APR
7.440% After Intro PeriodIntro Period: 6 months 7.440% Rate $0 Min. Initial Draw Amount

TD Bank

Last Updated: 10/14/2022

7.340% APR 7.340% Rate $0 Min. Initial Draw Amount

Navy FCU

Last Updated: 10/14/2022

6.500% APR 6.500% Rate $0 Min. Initial Draw Amount

Washington Trust Bank

Last Updated: 10/14/2022

6.750% APR 6.750% Rate $0 Min. Initial Draw Amount

BBVA Compass Bank

Last Updated: 09/17/2021

3.990% APR 3.990% Rate $50,000 Min. Initial Draw Amount

Last Updated: 10/14/2022

7.690% APR 7.690% Rate $0 Min. Initial Draw Amount

Bank of America

Last Updated: 10/14/2022

5.990% Intro APR
8.170% After Intro PeriodIntro Period: 6 months 8.170% Rate $50,000 Min. Initial Draw Amount

Trustco Bank

Last Updated: 10/14/2022

3.990% Intro APR
6.000% After Intro PeriodIntro Period: 12 months 6.000% Rate $15,000 Min. Initial Draw Amount

Comerica Bank

Last Updated: 10/14/2022

5.490% Intro APR
7.500% After Intro PeriodIntro Period: 6 months 7.500% Rate $0 Min. Initial Draw Amount

Power Financial Credit Union

Last Updated: 10/14/2022

5.490% Intro APR
6.750% After Intro PeriodIntro Period: 36 months 6.750% Rate $10,000 Min. Initial Draw Amount

Cadence Bank

Last Updated: 09/09/2019

5.500% APR 5.500% Rate $0 Min. Initial Draw Amount

Trustmark NB

Last Updated: 10/14/2022

2.990% Intro APR
5.500% After Intro PeriodIntro Period: 3 months 5.500% Rate $5,000 Min. Initial Draw Amount

Fairwinds CU

Last Updated: 10/14/2022

5.700% APR 5.700% Rate $0 Min. Initial Draw Amount

What is a HELOC vs home equity loan?

A home equity loan allows you to borrow a lump sum of money against your home's existing equity. A HELOC also leverages a home's equity but allows homeowners to apply for an open line of credit. You then can borrow up to a fixed amount on an as-needed basis.

Is it hard to get an equity line?

The bottom line Getting a home equity loan with bad credit may be difficult, but it's not impossible. For the best chance at approval, work on improving your credit score, paying off existing debt and making as many mortgage payments as possible to increase your total equity.

How do I get an equity loan?

Have at least 15 percent to 20 percent equity in your home. Equity is the difference between how much you owe on your mortgage and the home's market value. ... .
Have a credit score in the mid-600s. ... .
Have a debt-to-income ratio of 43 percent or lower. ... .
Have sufficient income. ... .
Have a reliable payment history..

Are home equity loan rates fixed?

You may apply for a home equity loan up to: A home equity loan is one-time installment loan secured by your home. Both the interest rate and monthly payments are fixed, ensuring you'll have a predictable repayment schedule for the life of the loan.