Your Home Has Been Quietly Building You a Line of Credit

Every mortgage payment you’ve made has built equity and right now, it’s sitting unused.

A HELOC from Dade County Federal Credit Union (DCFCU) lets you tap into it without touching your mortgage rate, borrowing a lump sum, or paying credit card interest. Draw what you need, when you need it. Pay interest only on what you use.

• Rates as low as 4.49% APR, fixed for the first 12 months*
• Up to $1,500 in lender-paid closing costs — we’ll cover them*
• Use funds for home improvements, debt consolidation, or big plans
• Borrow, repay, and borrow again — on your terms

Apply for a HELOC Today!

*APR=Annual Percentage Rate. Introductory rate as low as 4.49% APR available for 12 months and 7.25% APR available for 24 months with a minimum draw at time of closing of $30,000 or full line, if less than $30,000. Credit Union pays customary closing costs up to $1,500. Up to 80% CLTV (combined loan-to-value), PMI may be required, subject to property valuation, valid for primary residences, single family, PUD or condos in Florida only. Existing loans are not eligible for promotional rate unless new loan with an increase advance of $30,000 is obtained. After initial promotional period, APR is a variable rate, subject to Prime plus or minus contracted margin. The APR will not go below the Floor Rate of 4.00%. Member must repay the closing costs if the loan is paid and closed prior to 2 years. Must close with A&M Title. Homeowners/Windstorm Insurance is required and Flood Insurance is required if property is in a Flood Zone. Loan programs, rates, and terms may change or be discontinued at any time without notice. Federally Insured by NCUA. Membership is required.