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Home Equity Products

Interest Rates Are Still Low

Super Home Equity Line of Credit
(SHELOC)

More Powerful than a HELOC

 

Rate as low as


4.25%** APR*

  • Rates as low as Prime minus 1%
  • Up to 80% loan to value
  • Amounts available up to $600,000.00
  • Interest only during the draw period up to 10 years
  • Repayment term after draw period up to 20 years
  • Can be used for overdraft protection

When you consider a home equity product, consider TDFCU's Super Home Equity Line of Credit.

Click here to apply online or  click here to check interest rates.  To obtain additional information, contact our Call Center at (800) 344-4497 and then press 4 or click here to contact us.

* APR (Annual Percentage Rate) - Interest rate is prime, as listed in the Wall Street Journal, plus or minus a margin. Interest rates are adjustable based on prime and can adjust on the fifteenth day of each month.  The interest rate floor for the SHELOC is 3.25%.  Actual interest rates are based on individual credit history.  Minimum initial draw is $5,000.  This product can be tied to your checking account for overdraft protection or a checking account may be established to draw directly from the SHELOC. Transfers can be made online in T-Access (home banking).

Second Mortgage Loan

Rates as low as

6.00% APR.*

- Fixed interest rate

- Fixed term up to 15 years

- Fixed monthly payments

- Amount available up to $400,000

- Up to 80% Loan to Value

The comfort of knowing your monthly payment will not change.  Monthly payments are fixed over the life of the loan

Click here to apply online or  click here to check interest rates.  To obtain additional information, contact our Call Center at (800) 344-4497 and then press 4 or click here to contact us. 

* APR (Annual percent rate) is subject to change.  Actual interest rates are based on individual credit history.

Home Equity Line of Credit

(HELOC)

Rates as Low as

6.00% APR.*

- Interest rates as low as prime

- Amounts available up to $300,000

- Up to 80% Loan to Value

- Payments are Principal and interest during the draw period up to 10 years

- Repayment terms after draw period up to 15 years

- Use Special HELOC checks the same way as normal checks

- Access your account online and transfer funds to your checking account

Click here to apply online or  click here to check interest rates.  To obtain additional information, contact our Call Center at (800) 344-4497 and then press 4 or click here to contact us.

* APR - (Annual Percentage Rate) is subject to change.  Interest rate as listed in the Wall Street Journal plus a margin.  Interest rates are adjustable based on prime and can adjust on the fifteen day of the first month of the quarter, based on the prime rate on the last day of the previous quarter.  Interest rate floor for the HELOC is 6.00%.  Actual interest rates are based on individual credit history.  Transfers can be made online in T-Access to your other accounts with us.

 

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