We offer home equity lines of credit that allows you to keep money at your fingertips when you need it.  Access the equity you've built in your home for education expenses, home improvements, a vacation, or even a new car.

Advantages of an Okaloosa County Teachers FCU Home Equity Line of Credit:

• Variable Rate as low as Prime*
• Interest may be tax deductible**
• Borrow 75% Loan-To-Value with 5 year draw and 15 year term.
• Only pay interest on the money you use

* The APR is determined by the Prime Lending Rate posted in the Wall Street Journal.
** The interest may be tax deductible.  Check with your tax advisor.

Fixed Rate Second Mortgages

We offer fixed rate second mortgages with 5 year, and10 year terms.  One time closing with no additional draws.  You may borrow up to 75% Loan-To-Value.