Mom and Daughter in bathroom


Use your home’s equity to make those much needed home improvements! No equity? You can still renovate with a personal loan from Christian Financial!

Home Equity Line of Credit (HELOC)

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.

Personal Loan

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.

HELOC Application                       Personal Loan Application

Effective April 6, 2020


Type Term APR*
Home Equity Line of Credit   4.25%
Personal Loan*** Up to 60 months 8.40%

*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. Annual Percentage Rate (APR) is 4.25% to 14.00% based on your credit worthiness. Non-members may be charged a $10 new membership fee upon account opening. 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. ***Rate shown includes discount for automatic payment.