Home Equity

You have built equity in your home. With our home equity loan solutions you can make that equity work for you for any borrowing need.
  • Borrow a lump sum
  • Low Fixed Rates
  • Flexible terms up to 15 years
  • No Closing Costs
  • Borrow up to 90% of your home’s equity
  • Payment Protection is available
  1. If discharge is requested within 24 months from date of note, borrower will be obligated to pay lender the amount of waived fees.
  2. Some restrictions apply. Adequate property insurance, and possibly flood insurance is required. 1-4 family, owner occupied primary residence only. Subject to credit approval.
  3. Consult your tax advisor regarding tax deductibility.
  4. NMLS ID 493624

  • Flexibility to draw funds as needed~open end revolving line of credit.
  • Borrow up to 80% of the equity in your home.
  • 10 year draw period followed by 15 year repayment.
  • No closing costs or annual fees
  • Flexible payments based on your outstanding balance.
  1. If discharge is requested within 24 months from date of note, borrower will be obligated to pay lender the amount of waived fees.
  2. Some restrictions apply. Adequate property insurance, and possibly flood insurance is required. 1-4 family, owner occupied primary residence only. Subject to credit approval.
  3. Consult your tax advisor regarding tax deductibility.
  4. NMLS ID 493624
  5. Variable rate adjusted on a quarterly basis according to the Prime lending Rate as published in the Wall Street Journal. The rates are variable and subject to change. The maximum APR that may apply on Home Equity Lines is 14%.

Life and Disability Insurance

There is no way to predict an injury, illness, or your unexpected death, but you can take steps along the way to make sure your family is provided for if the unforeseen were to happen. Credit Disability and Credit Life Insurance may help to pay your loan so you or your loved ones don’t have to.*

These products are optional offerings from FLFCU and the premium is included in your monthly payment. Talk to your Loan Officer about the option of adding this product without increasing your monthly payments.

*Up to your policy maximums; per terms and conditions and exclusions on your Credit Insurance Certificate.


Looking for Auto Insurance? To bring you this product, we have partnered with the CUNA Mutual Insurance Group’s TruStage™ who was just named the “World’s Most Ethical Company®” by Ethisphere, an international think tank that rates companies business ethics and social responsibility. Amazing, right?

They provide our members with Term Life and Free Accidental Death and Dismemberment Insurance, and work with carefully selected vendors to bring our members discounted auto insurance.