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Home Equity Loans

Let's fund your next project. Great rates and fast service.

  • Easy
  • Flexible
  • Accesible

Home Equity Loans and Lines of Credit can help you remodel your kitchen, pay for college, or consolidate debt.

What dream can we help fulfill?

The value of your home minus any mortgages that you owe is the part that you own, also known as your equity.  Tap into that equity by taking out a loan or line of credit to fund almost any project or purchase.

Our Home Equity Line of Credit (HELOC) gives you a flexible line of credit with variable rates, while our Easy Equity Loan comes with a fixed rate and term. It’s a great way to upgrade your home or consolidate high-interest debt at a lower rate.  Typically, you can borrow up to 80% of the value of your home less the balance of your first mortgage.


HELOC Disclosures

Apply Today

Which loan is right for me?



  • You’re not sure the amount you’ll need
  • You need to access funds over time – up to 10 years
  • Variable rate tied to Wall Street Journal Prime
  • Low initial payment – 1% of the balance owed
  • Pay interest only on what you’ve borrowed


Equity Loan

  • You know the amount you’ll need
  • You’ll get the whole amount in a lump sum
  • Fixed rate
  • Set monthly payment
  • Terms up to 15 years

Getting Approved is Easy



Research your options

 Compare your options. If you have questions, give us a call at (303) 226-8509.



Apply online

Apply for a flexible line of credit or a fixed loan.



Receive your funds

Interest paid might be tax-deductible, please consult with your tax advisor.*

Home Equity Loans Disclosures
*Consult your tax advisor about the deductibility of interest. APR is the Annual Percentage Rate (APR). Loan interest rates and terms provided are estimates. Best Rate may vary based on personal credit history, value of collateral, loan to value (LTV), terms, and other factors. Fitzsimons Credit Union provides details upon completion of a loan application. Rates are subject to change without notice. Fitzsimons Credit Union membership is required. Closing costs covered up to $1,500. Property insurance, flood insurance, and/or appraisal may be required. Appraisal fees to be paid by the borrower and reimbursed at closing. FFCU does not offer escrow accounts to pay taxes and/or insurance. Collateral must be located in Colorado and must be borrower’s primary residence. Fixed Equity Loans Payment Example: Monthly payment for a $250,000 loan at 5.49% APR for a 180-month term = $2,046.00 Home Equity Line of Credit (HELOC) Example: Monthly payment for $50,000 at 5.49% APR for a 120-month term = $543.59