Fox Communities Credit Union
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As a member of a credit union, you are an owner. You have a share in our future. 
At Fox Communities, our lending decisions are made right here - locally. 
We provide the right services for you to manage your money. 
For over 80 years, we've been here, in your neighborhood. We're friends and we're family. 
Make “stop searching and searching” happen
Finally, you can have the house you’ve always wanted without having to buy a new home.
Whether you’re remodeling to increase curb appeal or make spaces more enjoyable, we have the people and programs to help you bring your dreams home to life. With a home equity loan or line of credit, you can:
Update your kitchen
Create a backyard oasis
Create a luxurious bathroom
And more! The options are endless.
Home Equity Loan2
Borrow money in one lump sum and make monthly payments for the life of the loan.
- Borrow up to 90% of the equity in your home
- Up to 30 years repayment term
- Flexible ARM and fixed rate and term options
- Potentially tax deductible*
Home Equity Line of Credit3
Make payments based on the outstanding balance of your loan.
- Establish a credit line up to 90% of your home’s equity
- Use what you need, and once funds are paid back, money is available for you to use again4
- Potentially tax deductible*
When it’s time to transform your home, work with a mortgage partner who can make it happen.
At Fox, you come first.
Make “home equity” happen
Say your home is valued at $100,000 and you still owe $50,000 on your mortgage:
$100,000 home value x 90% = $90,000
$90,000 – $50,000 outstanding loan
$40,000 potential credit line
Get started today!
Additional Banking Resources
1. General Disclosure:
Must meet eligibility requirements. All loans subject to final approval. Rates, Terms, and Conditions subject to change and may vary based on creditworthiness, qualifications, and collateral. Subject to change or terminate without notice. At closing, a fee is charged to cover title search, flood certification, recording, and property evaluation fees. Additional fees, such as for an appraisal, may apply. Consultant a tax advisor about deducting interest and fees.
2. Home Equity Loan Fixed Rate Disclosure:
For a $35,000 home equity loan with a term of 5 years at 3.445% Annual Percentage Rate (APR), the monthly payment will be $636.71.
Home Equity ARM Disclosure:
5/1 ARM payment example for a $35,000 loan with a 3.50% rate and 5.119% APR, the first 60 monthly payments are $157.17 with 12 payments at $193 if the rate adjusts to the annual maximum of 5.50%, 12 payments at $231 if the rate adjusts to the annual maximum of 7.50%, 275 payment at $271 if the rate adjusts to the ceiling of 9.50%, with one remaining payment at $271. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater.
3. Home Equity Line of Credit Disclosure:
Current variable Annual Percentage Rate (APR) based on Wall Street Journal Prime plus a margin. Margin based on creditworthiness, qualifications, and collateral. Maximum APR of 18.00%. Closing costs range from $159.50 and $216.50; additional fees may apply. Available draw period during first 5 years.
4. Minimum disbursement $500; minimum line of credit $5,000; minimum payment interest-only or $100, whichever is greater.
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