For a Limited Time—No Closing Costs

Orlando Credit Union is now offering No Closing Costs* on Home Equity Loans and Lines of Credit up to $100,000, giving you more flexibility and more control over how you borrow.

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Leverage Your Home Ownership to Pay for Major Expenses

If medical bills have piled up or if a home renovation project has gone over budget, you may want to tap into your home’s equity to finance those costs over time.
 

Orlando Credit Union is #investinginU by Offering Two Options
 

Featured Rates

Which Option is the Best for You?

To discuss a Home Equity Loan (HELOAN) or Home Equity Line of Credit (HELOC) and apply in-person, schedule an appointment at an Orlando Credit Union branch location near you or you can apply online.

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^ Does not include credit cards, sold mortgages or business loans. Loans must be current to receive points for the month. Points will be forfeited if loan is not current, and points will not be reinstated.

* Eligibility and Membership required. As a condition of membership, you must maintain an Ownership Savings Account with a $5 minimum balance. No closing-costs promotion available on eligible home equity loans and lines up to $100,000 (primary residence only and up to 80% CLTV). Property must be located in the state of Florida. Orlando Credit Union will pay standard closing costs up to $1,500; borrower is responsible for any excess. If a full appraisal or title insurance is required, that cost is excluded and must be paid by the borrower. Closing costs range from $0 to $1,800, if full appraisal and title insurance are required. Minimum initial loan amount or draw of $10,000 required at funding.

If the loan is paid off or refinanced within 36 months, all waived closing costs must be reimbursed by the borrower. Property eligibility and credit approval are required. Additional restrictions may apply. Offer may change or end at any time without notice and cannot be combined with other offers.

** Rates are effective as of 12/1/2025. APR (Annual Percentage Rate) is based on creditworthiness and Loan-to-Value (LTV) ratio. Home Equity Lines of Credit (HELOC) are variable and based on the Wall Street Journal Prime Rate. Fixed rate option available. Rates and closing costs may vary based upon loan features or other terms and conditions. Additional adjustments may be applicable based upon credit history, property value, mortgage product, property type or other factors. The interest rate shown here are available to borrowers with an excellent credit history.

²Consult with a tax advisor for further information regarding the tax deductibility of interest and charges.

Offers are subject to credit union membership, credit approval and verification of information provided on application. The interest rates, APRs and closing costs are subject to change without notice. Fees vary depending on loan amount, interest rate, title required, insurance and taxes. Fees may range from $500 to $1,800 based on a general estimate.

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