BACKYARD IMPROVEMENT SOLUTIONS

Create a unique space for you and your family this summer with backyard improvement options from Christian Financial! Financing the improvements you have always wanted is easy with a personal loan or home equity line of credit. Learn more today!

What can I use the money for?

The possibilities are endless! We want you to create your own backyard oasis, so build a greenhouse, escape to a She Shed, or plan out a playscape for the kids. A HELOC or Personal loan can be used to help improve your outdoor space for you, family, friends, and pets!

How do I get a loan?

Apply for a HELOC or Personal Loan couldn't be easier with our online application. Simply navigate to the options below to see the benefits of each, then simply select the Apply Today button. 
 

If your home's appraised value is more than the amount you owe, you have equity. Our HELOC allows you to use up to 80% of your home's value* to finance large renovations or improvements. Plus, Christian Financial will pay your closing costs up to $350.**

The HELOC Payment Calculator can give you an idea of what your payment might look like.

Apply Today


Effective August 2, 2021

Home Equity Loans

  APR*
Home Equity Line of Credit 4.00%
Closed End Home Equity Click Here to View Rates from our partner, Mortgage Center

*APR = Annual Percentage Rate. Rates shown are best available, based on 80% loan-to-value and are based on credit history. The rate is variable and subject to change without notice. Loans requested for more than 80% of collateral value may be subject to a higher rate of interest. Home Equity Lines of Credit are available on primary residences only. Rates are subject to change without notice and are variable. Maximum rate that can be applied is 14.00% APR. Non-members may be charged a $10 new membership fee upon account opening. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest. Contact CFCU for more information.  ​​Click here for more information on Home Equity loans from the Federal Reserve. **CFCU will pay up to $350 of closing costs, to be refunded after closing.
A home improvement personal loan can help with smaller renovations or improvements. Our low rates, flexible terms, and no collateral requirements help keep you within your budget.

Calculate your estimated payment with our payment calculator.
 

Apply Today


Effective August 2, 2021

Personal Loans

Type Term APR*
Line of Credit   9.90%
Personal Loan**** Up to 60 months 8.90%
Seasonal Personal Loan** For 12 months 5.99%
Share Pledged Loan   6.25%
Certificate Pledged Loan***   6.25%

*APR = Annual Percentage Rate. Rates shown are the best available, are based on credit history, are available only on loans not already financed with CFCU and subject to change without notice. Loans requested for more than 95% of collateral value may be subject to a higher rate of interest. Members refinancing existing Christian Financial Credit Union loans are subject to a higher rate of interest.Please see a CFCU Financial Service Representative for full details. **For example, for a loan of $5,000 at 12 months with an interest rate of 5.99%, the monthly payment would be $430.31. Minimum loan amount limited to $500.00. Maximum loan amount limited to $5,000.00. No additional discounts for Auto Transfer/Electronic Payment. ***Term of loan cannot exceed term of certificate. ****Rate shown includes discount for automatic payment.
Still have questions? Contact us and speak with one of our representatives today.