A HELOC is a revolving source of money secured by the equity in your home, which you can access for up to 15 years. CCCU even allows you to lock in your rate for 5 or 15 years.
Benefits of a HELOC
Lower interest rates
Set-up fees waived**
Draw periods up to 15 years
Local underwriting
Flexible repayment terms
With a HELOC, the possibilities are truly limitless.
How to use a HELOC
Access your home equity with one simple application and use your funds to help you achieve your financial goals!
*APR (ANNUAL PERCENTAGE RATE). The 4.99% APR is a promotional rate available up to 12 months from the date the account is funded. All loans subject to credit approval. New advances only. Not valid on existing CCCU HELOC balances. Rate will revert to standard HELOC rate after promotional period and then adjust based on your current interest rate structure once every quarter, 5 or 15 years based on Prime, currently 6.75%, with a maximum rate of 18% as of 12/10/2025, and are subject to change. Offer valid on primary residences only.
**Closing costs (set-up fees), including title and document searches are covered up to $500. Any closing costs beyond $500 are the responsibility of the borrower. Member responsible for appraisal cost if desktop appraisal does not achieve desired limit for the borrower. If line is closed within 3 years of the open date, borrower will reimburse the credit union for the closing costs. Offer valid on primary residences only. Homeowners insurance is required for every line of credit.
This is a limited time offer that may end at any time. See credit union for further details. Refer to our Equity Loan Account Disclosure or contact credit union for complete details.
2026 College Scholarship Applications Are Open!
Deadline to apply is July 31, 2026
We are pleased to continue our tradition of awarding $5,000 to a deserving high school graduate who has showcased their determinations, academic achievement, and involvement in their communities. If you have a family member who is a graduating senior and could use some help with college expenses, encourage them to apply!
A balanced retirement plan can help you tackle unexpected expenses and feel confident about your future.
Our CCCU Wealth Management team can prepare an analysis of various social security claiming strategies and when it makes sense for you to file. Schedule a meeting to get a detailed analysis of your retirement outlook. These meetings are no cost to our members and will give you confidence as you enter into retirement.
Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC).
Insurance products are offered through LPL or its licensed affiliates. Investment advice offered through CCCU Wealth Management Inc, a registered investment advisor and separate entity from LPL Financial. Consolidated Community Credit Union is not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using CCCU Wealth Management, and may also be employees of Consolidated Community Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Consolidated Community Credit Union or CCCU Wealth Management. Securities and insurance offered through LPL or its affiliates are:
CCCU Annual Meeting - February 17 | 6:30pm PST
DoubleTree Hotel, Adams/Jefferson Meeting Space 1000 NE Multnomah St., Portland, OR 97232
Please join us for valuable credit union information and refreshments at the CCCU Annual Shareholder Meeting, located at the Portland DoubleTree Hotel.
Plus, all attendees will be entered in a prize drawing!
Upcoming holiday closures:
Martin Luther King, Jr. Day (Monday, January 19)
Presidents' Day (Monday, February 16)
We're social, are you?
Don't miss out! Stay up to date on financial tips, life hacks, contests, branch events, and so much more!
Consolidated Community Credit Union | www.consolidatedccu.com | 800.444.8115
