Home Equity Loan

Use the equity in your home to pay for just about anything!

We offer two types of Home Equity products based on your needs:

  • Home Equity Loan:¬†This is a fixed amount loan, so you borrow the exact amount you need and pay it back for a fixed length of time at a fixed rate.
  • Home Equity Line-of-Credit: This is a line of credit you can access as needed. So, you can borrow the money you need now, and then access more again in the future when you need it.

Whether you’re dreaming about improving your home, financing your child’s college education, taking the vacation of a lifetime, or simply wanting to consolidate high-rate debt into one manageable payment, a Home Equity Loan or Home Equity Line-of-Credit from FCCCU is a great option.

We make the process easy!

View our current rates or apply online now.


Our loan department will be closed on Saturday August 24th in order for our loan officers to participate in the Des Moines Walk to End Alzheimer's. Our Go First Class team will be walking and have a booth at the event. Register to come out and walk with us or donate (https://act.alz.org/site/TR/Walk2019/IA-Iowa?team_id=577074&pg=team&fr_id=12185) if you wish to support your credit union employees. The MSR's and a New Account Rep will be available to assist you with any transactions and new accounts during our normal business hours of 9am to Noon in the lobby and 8:30am to Noon in drive-up. If life happens and you need to get a First Class loan started over the weekend our 24/7 call center is available to assist you or apply via our website (click on the "Apply for a loan" box under this notification). Thank you for your understanding and support.