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FlexChoice HELOC

Cash when you need it. Flexibility when you don’t.

With a home equity line of credit (HELOC) from Community Choice, you can use the equity in your home when you need it, and lock in a rate when the timing is right. For a limited time, start at 4.99% introductory APR* for the first 5 months.

  • Access your equity on your timeline ‒ borrow only when you need it
  • Apply online in minutes, close in as fast as two weeks
  • Lock in a fixed rate on up to five portions of your balance
Apply Now
See Rates

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House illustration - Community Choice Credit Union

Put the value of your home to use, on your terms.

You decide when to borrow, how much to take, and when to lock in a rate. Pull from your line as you go ‒ no need to refinance your mortgage, no decisions you have to make all at once.

Reusable credit, no reapplying

Borrow what you need, repay it, and borrow again ‒ all from a single home equity line of credit. No new applications, no waiting.

your money is safe with Community Choice Credit Union

Lock in fixed rates on your terms

Lock in part of your balance at a fixed rate for up to five years ‒ only when the timing is right for you.

Only pay interest on what you use

You’re never paying interest on your full credit limit ‒ just the amount you’ve actually borrowed. More control, less cost.

One simple monthly payment

Even with portions of your balance locked in at different rates, everything rolls into a single payment. Easy to manage, easy to plan around.

Online Banking Solutions from Community Choice Credit Union

Fast, online application

Apply from anywhere in minutes. Pre-approval options, virtual notaries, and a two-week average closing speed mean less hassle.

Low closing costs

We’ll work to keep your closing costs as low as possible ‒ sometimes even eliminating them entirely.

FlexChoice HELOC Rates*

As low as

Borrow smarter, not bigger

Access your home’s equity without locking into a single large financial decision. Draw what you need when you need it, and lock portions into a fixed rate when the timing is right ‒ all from one reusable line of credit. You stay in control, and you only pay interest on what you borrow.

Apply Now
Business Services from Community Choice

Your home equity team, start to finish

Devoted Home Equity Specialists are with you from first click to closing day. Expert guidance, fast answers, and a process designed to get you to your funds with fewer steps and less stress.

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Hear from happy members

  • “Community Choice Credit Union has the quickest and most efficient loan requests I’ve ever encountered. Julie called shortly after I filed the documents, and she was pleasant and professional.” Tim B.
World Mastercard from Community Choice Credit Union

Your equity, your timeline, your terms.

You decide when to borrow, how much to take, and when to lock in a rate. With FlexChoice, your line stays open and reusable ‒ so it’s there when you need it, without the pressure of making all your decisions upfront.

  • Reusable credit line — borrow, repay, and borrow again.
  • Lock in part of your balance at a fixed rate — for up to five years.
  • Closing costs as low as $0 in many cases.
Apply Online

*4.99% introductory Annual Percentage Rate (APR) available for up to the first five months following loan funding on new FlexChoice home equity lines of credit. After the introductory period, the APR will convert to the standard variable APR based on loan-to-value and credit worthiness. Variable rate is subject to change monthly, based on the prime rate and margin. Current APRs range from 6.25% to 7.50%. Maximum APR is 18.00%. Offer valid April 1, 2026, through June 30, 2026. Offer available on new FlexChoice HELOCs only. Community Choice home loan refinances are not eligible. All loans subject to credit approval. Terms subject to change. Membership eligibility is required.