Members Margo R. and family in their home renovation Members Margo R. and family in their home renovation
 

Move Forward with a Home Equity Loan

We started the year saving thousands of our members thousands on auto loans. Now we’re doing same for homeowners.


Low Rate. Big Possibilities.

Your home is more than just a place to live—it’s a powerful financial tool. Whether you're tackling a home improvement project, consolidating debt, or making a major life upgrade, our 6-Year Fixed Rate Home Equity Loan gives you the flexibility to move forward with confidence.

 
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Up to 30 year amortization
 

If you need a loan for anything, choose from one of our Home Anything Loans.

 Why a Home Equity Loan?


 
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Low Fixed Rate

Lock in for 6 years with the option to amortize payments up to 30 years.

Make Your Home Work for You

Use funds for renovations, debt consolidation, or major expenses.

Local Decisions & Personal Service
Because we’re a member-owned not-for-profit, you come first.


 

Tim & Michele’s Story: Turning a house into a dream home.

When Tim & Michele looked at their home, they saw potential—but needed a way to bring their vision to life. They came to Community First, as they have for 25 years, to make their dream become a reality. They completed their dream renovation in Fall 2024, adding more than value—it created a space for unforgettable moments with family and friends.


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If you’ve been dreaming about your next big project, now is the time to make it happen—with a low, fixed rate that helps you plan for the future.


More ways to make your home work for you.

Your home’s value can open up a world of possibilities beyond a traditional Home Equity Loan. Whether you need ongoing access to funds or a quick, no-equity-needed option, we have the right solution for you. Below is a comparison of our home equity loan options. You'll be able to compare the different benefits and choose which is best for you.
 

 

 

Home Equity

Home Equity
Line of Credit

Homeowners Xpress

Minimum
loan amount

$20,000

$10,000

$5,000

How funds
can be used

For anything

For anything

For anything

Accessing funds

Lump-sum
disbursement

Use a Home Equity Line Visa® card, transfer funds online, or get money at the branch

Lump-sum
disbursement

Repayment

Monthly payment stays the same for life of loan

You only pay on the balance you owe; monthly payment can fluctuate triggered each time you make an advance

Monthly payment stays the same for life of loan

Term of loan

6 years

Up to 10 year draw period

Up to 84 months

Interest rates

Fixed rate

Variable rate based only on the amount used

Fixed rate

Collateral

Uses home as collateral

Uses home as collateral

No mortgage lien required

 

Apply Now

Learn More

Learn More

 

Learn More
Minimum loan amount $20,000
How funds can be used For anything
Accessing funds Lump-sum disbursement
Repayment Monthly-payment stays the same for life of loan
Term of loan 6 years
Interest rates Fixed rate
Collateral Uses home as collateral


Home Equity line of credit
Learn More
Minimum loan amount $10,000
How funds can be used For anything
Accessing funds Use a Home Equity Line Visa® card, transfer funds online, or get money at the branch.
Repayment You only pay on the balance you owe; monthly payment can fluctuate triggered each time you make an advance
Term of loan up to 10 year draw period
Interest rates Variable rate based only on the amount used
Collateral Uses home as collateral


Homeowners xpress loan
Learn More
Minimum loan amount $5,000
How funds can be used For anything
Accessing funds Lump-sum disbursement
Repayment Monthly-payment stays the same for life of loan
Term of loan up to 84 months
Interest rates Fixed rate
Collateral No mortgage lien required



 

Move forward today.
Put your home's equity to work for you.

Our 4.99% Note Rate | 5.11% APR1 Home Equity Loan won’t be around forever—but the impact it can have on your life will last for years to come.

 
Apply Online   apply online or visit us   Visit Us

 

 

You can also call us at 920.830.7200 during business hours.





1 APR = Annual Percentage Rate. Some restrictions may apply. Your actual rate and term is determined by your account history, credit score, and a loan to value (LTV) of 80% or less. Rates subject to change without notice. APR includes $200 loan processing fee. New money minimum: $20,000. 

Monthly payment is $5.36 per $1,000 for term and rate shown. PAYMENT EXAMPLE: $100,000.00, 30-year amortization results in 71 payments of $536.21 and a final payment of $90,456.02. Payment examples do not include taxes and insurance premiums; actual payment obligation may be greater.