Let Your Home Equity Work For You

Apply Now

What a HELOC Can Do for You

Centralize all of your financial commitments into one low-rate Home Equity Line of Credit (HELOC). A HELOC provides the flexibility to access funds for various ongoing projects as needed, along with the convenience of repaying over time. For a limited time enjoy 5.99% APR! Another way YOU are central.

Promotional Variable Rate in effect until 3/31/25 (Current variable rate 8.50% APR)
Deadline to apply is 5/31/24
No points & no fees!

Apply Now

Compare Our Products!

Home Equity Loans

Used for major projects, long-awaited travel,
and other large purchases.
Low fixed rate and up to $300,000.
10 and 15 year terms.
Single disbursement.

Home Equity Lines of Credit

Used for smaller, ongoing projects for funds as you need them.
Offers flexibility to pay back over time.
Low 15-year terms, variable rates, and up to $300,000.

Get more from your membership

Today's Rates

Home Equity Loan rates as low as:

8.250%

Mortgage Loan rates as low as:

5.500%

View our Rates

Apply Now

With low rates, flexible terms, and local approval. Qualifying is easier than you think!

Mortgage Application

Auto Pay

Set up convenient automatic monthly payments from your CCCU account.
Visit a Member Services Branch,
call us at (707) 445-8801,
or add through Online Banking.

Setting Up Auto Pay

Home Insurance

Working with TruStage, we can help you find the perfect mix of cost and coverage to protect one of your biggest investments. Call (855) 483-2149 to chat with a plan administrator.

E-Services

Stay one step ahead of your money with E-Statements, E-Notices, and E-Alerts.

Located on the Menu in Online or Mobile Banking.

Online & Mobile Banking

Track your savings from your home computer or smartphone.

Online & Mobile Banking

Meet Our Mortgage Loan Team

Our team comprises seasoned professionals committed to helping you navigate the mortgage process smoothly and efficiently. With years of experience in the industry, our experts possess the knowledge and expertise to guide you through every step of securing the ideal mortgage solution tailored to your needs.

Meet our Mortgage Team

Ready to be a member?

Join today

Disclosures

All loans subject to approval of credit, income verification and property valuation. APR is Annual Percentage Rate, and 5.99% is the current promotional APR for owner-occupied (not manufactured homes) home equity lines from $25,000 up to $200,000, and 80% combined loan-to-value (CLTV). After 3/31/25, the APR will adjust to the variable rate offered at that time, which may not increase more than 6% over the non-introductory start rate (note rate). The minimum rate may not decrease below 3.25% after any introductory period has elapsed. A $25,000 draw required at loan closing. 10-year draw and 15-year amortization terms. No-fee offer is not applicable for third party fees such as sub-escrow, other miscellaneous title fees or professional appraisal charges which may be required. Home Equity Lines of Credit are also available on non-owner-occupied properties; different rates apply. Minimum 650 FICO score required. Additional terms and conditions may apply.