Use the equity in your home to your advantage!

Why use Call FCU?

• Low rates
• No closing costs
• Possible tax savings (consult your tax advisor for details)
• Easy to apply!
• Borrow up to 100% of your equity in your home

2 Great Options:

•  Home Equity Line of Credit:  This option provides an open line of credit which you can draw, up to your limit, the money you need, when you need it.  The interest rate on an equity line is variable and may change quarterly, based on the prime rate as published in The Wall Street Journal.  Our rate is the WSJ published prime plus 1/2%. 
• Second Mortgage: This option is a fixed rate loan.  Click here for rates.

3 easy ways to apply:

• Apply Online
• Apply during business hours by calling 804-274-1200 option 2 or 1-800-796-2328 option 2
• Stop by any of our branches to start the application process

Please call (804) 274-1227 or 1-800-796-2328 x41227 or e-mail our Mortgage Lending Manager for further information.

TERM: The maximum term is 15 years.

We do business in accordance with the Federal Fair Lending Laws.
Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18), to

- Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
- Discrimination in fixing the amount, interest rate, duration, application procedures or other terms or conditionals of such a loan, or in appraising property.

If you believe you have been discriminated against, you should send a complaint to:

Assistant Secretary for Fair Housing and Equal Opportunity Department of Housing & Urban Development
Washington, DC 20410

For processing under the Federal Fair Housing Act:  
National Credit Union Administration
Office of Examination and Insurance
1775 Duke Street
Alexandria, VA 22314-3428