Home Equity

NMLS: 434922

Home Equity Loans

Four Points Federal Credit Union offers Home Equity Loans that are a good choice when paying for home remodeling and other major projects.

  • Fixed interest rates.
  • Stable monthly payments
Home Equity Line of Credit (HELOC)

Four Points Federal Credit Union offers HELOCs that are a good choice for periodic expenses or for paying down higher interest debt.

  • Advance funds easily to any eligible Four Points account using Online Banking

LIMITED-TIME OFFER

Introductory rates start as low as 5.75% APR for 1st year.

Disclosures:
Annual Percentage Rate (APR) is variable and is based upon an index and a margin. As of March 1, 2026, the variable rate for Home Equity Lines of Credit ranged from 6.25% APR to 7.50% APR. Rates may vary due to a change in the index. The Introductory APR is as low as 5.75 % for the first twelve (12) months from the date of agreement. The Introductory APR shown is available to well-qualified borrowers with a credit score of 740 or better and up to an 80% loan-to-value ratio. Your margin will be determined by credit worthiness and your available equity. The APR will never be less than 3.75% and will not exceed 18%. The dwelling must be owner occupied, secured by a primary single-family residence, and must be insured (including flood insurance, when required). Loan fees and closing costs may vary between $400-$500. Minimum amount for a home equity line of credit is $10,000. Programs, rates, terms, and conditions are subject to change without notice. All loans are subject to approval. Other restrictions may apply. For complete terms and conditions Inquire at Four Points Federal Credit Union location or by calling (402) 431-5180.