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Home Equity Line of Credit

Build a brighter future using the equity in your home.

Unlock your home’s value for just about any project you have in mind.

Make additions to your home, consolidate bills, pay college tuition, take a family vacation, or if you just want a safety net—the possibilities are endless.



Using your home’s equity as collateral means you can borrow at great low rates. Our variable rate option provides you with a revolving line of credit, giving you the flexibility to borrow what you need, when you need it.

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Flexible Payments

We offer affordable repayment terms for up to 30 years. Plus, there’s no penalties for prepayment or annual fees.

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Finance Any Large Purchase

Borrow up to 95% of your home’s value1 to finance major purchases like home projects, vacations, and even weddings!

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Reuse the Funds

As a revolving line of credit, you can use the funds for home renovations or consolidating debt over time.

Meet with a HELOC Officer.

You can call or email us to answer questions or get advice. We’ll help you determine what’s best for your situation. We’re always just a call or email away!

Home Equity Loan Officers are based in the Norman Cohen Building at 2701 Tower Oaks Boulevard, Rockville, MD 20852.

Norbert Fichtel

Norbert Fichtel

Home Equity Loan Officer
Stacie Headshot

Stacie Marsh‑Hunter

Home Equity Loan Officer

Our members say the nicest things.

My boyfriend started this account back in the 70s! Here we are married 45 years and we still depend on LFCU. Bought the engagement ring, paid for the babies, got the mortgage, enjoying for retirement trips. Thanks LFCU.

Sarah B.

We’re always here to answer your questions.

Your equity is determined by subtracting your mortgage balance from your home’s appraised value.

Not finding what you’re looking for? Contact us

Ready to apply for a Home Equity Line of Credit?

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1Minus first mortgage balance. Certain fees, conditions and restrictions may apply. Home Equity Lines of Credit and Home Equity Loans are secured by your home. If you’re paying off an existing real estate loan, the Credit Union does not cover costs imposed by other lenders, if any. Rates and terms subject to change without notice. Loan approval subject to credit evaluation. APR = Annual Percentage Rate. NMLS 464425

Home Equity Loans and Home Equity Lines of Credit are not available in Texas.

HOME MORTGAGE DISCLOSURE ACT (HMDA) NOTICE: The HMDA data about our residential mortgage lending are available online for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website.