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Community Choice/Borrow/Home Equity

Home Equity

Access your home equity, quickly and easily

With FlexChoice, you can access a home equity line of credit (HELOC) to cover life’s big moments, unexpected expenses, or long‑term plans, with a simple application process and fast closing.

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Home equity line of credit with Community Choice Credit Union

Why get a home equity line of credit with Community Choice Credit Union?

Enjoy the flexibility of FlexChoice and a supportive process reviewed by real Home Equity Specialists, not just an automated decision. You can lock in a fixed rate to a portion of your balance only when it makes sense for you.

Closing costs as low as $0

We’ll work hard to get your closing costs as low as possible – sometimes even eliminating them.

Guidance and access at every step

Work with a devoted Home Equity Specialist to support you throughout the process.

Digital closing process

Close your loan quickly and securely with a digital closing process you can access from anywhere.

What is home equity?

Home equity is the part of your home that you truly own. It’s calculated by taking your home’s current value and subtracting what you still owe on your mortgage. As you make payments or as your home’s value rises, your equity grows over time. Many homeowners use a Community Choice home equity loan or line of credit (HELOC) as a flexible way to fund real‑life needs like home improvements, consolidating higher‑interest debt, covering unexpected expenses, or paying for major purchases such as a vehicle, education, or medical bills. When used thoughtfully, home equity can be a practical, lower‑cost way to turn the value you’ve built in your home into money you can use today.

FlexChoice Home Equity Line of Credit

Put the value of your home to use and get a line of credit to pull from as you go. With FlexChoice, you have the flexibility to lock in a portion of your balance into a fixed rate and term when you choose.

Apply now
Home equity line of credit with Community Choice Credit Union
Renovation Loan powered by RenoFI - Community Choice Credit Union

Renovation Loan powered by RenoFi

Increase your home’s worth with an innovative renovation loan that is based on your after-renovation value. Enjoy flexible payment options without refinancing your primary mortgage or changing your existing rate.

Explore your options

Home Equity Loan

It’s your money to use how you see fit. A home equity loan can be used home repairs and remodels, vacations, major purchases, or just about anything you have in mind. You’ll have one fixed loan that provides a lump sum upfront and features a fixed term and fixed interest rate so your monthly payment stays the same.

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Home equity loan with Community Choice Credit Union
Home equity line of credit with Community Choice Credit Union

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Our Home Equity Specialists

Our team of amazing Home Equity Specialists is with you from start to finish. You’ll get dedicated service, expert guidance, and smart solutions – and we make the process quick and easy.

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April Urban - Community Choice Credit Union - Home Equity Specialist
April Urban

Home Equity Specialist
NMLS: 1746981

Rebecca Bryant - Community Choice Credit Union - Home Equity Specialist
Rebecca Bryant

Home Equity Specialist
NMLS: 2330504

Daja Owens - Community Choice Credit Union - Home Equity Specialist
Daja Owens

Home Equity Specialist
NMLS: 2750043

Chelsey Szittai - Community Choice - Home Equity Specialist
Chelsey Szittai

Home Equity Specialist
NMLS: 2749814

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The home equity process

Getting money to reach your goals isn’t complicated. Here’s what it usually looks like:

STEP 1:
Chat with a Home Equity Specialist
See what programs fit your goals.
STEP 2:
Get pre-approved and budget your payments
Understand how much you may be able to afford.
STEP 3:
Finalize
We’ll guide you through the final steps and close in 30 days or less.
STEP 4:
Use your home’s equity
Emergency, home improvement… Whatever your needs, rest easy and enjoy!

Hear from happy members

  • “Absolutely wonderful service! The people I’ve spoken to are reliable, understanding, positive and helpful! They have solved everything I’ve had questions about in the kindest way! Thank you!” Ariel M.
  • “Great CU! Courteous, professional, informative and a great place for checking, savings, and an auto loan if needed. Wouldn’t go anywhere else since starting my relationship with Community Choice! As always, thank you for great service!” Michelle K.
  • “It’s a positive and encouraging experience. I greatly appreciate that team members are always willing and usually able to assist me with answering questions or finding solution opportunities.” Sheryl F.

Home equity FAQs

Questions about home equity loans and home equity lines of credit (HELOC)? Don’t worry, we’ve got you.

See all frequently asked questions

Related to Home Equity

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Turn your home’s equity into a resource you can use, on your terms


Your home has already helped you build something meaningful. A home equity loan or line of credit can help you take the next step,
whether that’s tackling a project, covering a big expense, or simply giving yourself more breathing room.

Apply now
Talk to a specialist
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NMLS ID# 451369