Real Estate Loans
First Mortgages
Available at TFCU!
Tracy Federal Credit Union offers very
competitive First Mortgages to meet your home buying and refinancing
needs.
- Fixed- and adjustable-rate loans
- 15- and 30-year terms
- Low down payment options and programs
with “no points”
Finally, you can enjoy the same levels of
service and trust you’ve come to rely at your not-for-profit
credit union.
Home Equity Line of Credit
A Home Equity Line of Credit (HELOC)
is considered by many financial experts as the “smart
borrower’s loan.” A HELOC provides many advantages over
other types of credit. This versatile loan product features:
- Low variable rate based on the 11th District
Cost of Funds Index (COFI)
- Credit lines up to $200,000
- Convenience checks for easy access to your credit
line
- No annual fee
- Revolving credit allows you to draw additional
advances without having to re-apply
- Potential Tax Savings!
Once you establish a HELOC at TFCU, it may meet
all your borrowing needs for years to come, including:
- Home improvements
- College Expenses
- Bill consolidation
- Vehicle financing or refinancing (providing
tax advantages)
- Vacation
- Boat or RV purchase
Home Equity Loans
Our Home Equity Loans are available up to $200,000. The Home Equity loans
have a fixed rate and terms up to 180 months. Since Home Equity Loans
are secured by your home, the finance charges are in most cases, fully
tax-deductible* regardless of how you use the funds.
