lady painting outside of her house.lady painting outside of her house.


If you need money for anything, put your equity to work for you with your Community First Home Equity Line of Credit (HELOC).


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Perfect for ongoing purchases.

You have the choice of two different hassle free ways to access your line for the money you need. Choose the way that work best for you. 

  • Home Equity Line Visa® card – Make purchases online or at any retailer that accepts Visa. Need cash? Use your card at any Community First ATM for no fee

  • Traditional – Transfer money as needed using Digital Banking, by calling or visiting a branch

(HELOC CARD NOTE: Other locations may charge fees).

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Better than using credit cards.

Rates are low right now, making your HELOC a more affordable option compared to credit cards. Plus, there's no annual fees! Compare our rate to these common store cards.

Home Equity Line of Credit
TypeTermAPR1 (as low as)Monthly Payment2
Line of Credit 3Up to 10 year draw period8.500$15.00



Amazon store card.

26.99% APR4


Best Buy store card.

25.99% APR4


Home Depot store card.

17.99% APR4


Target Redcard store card.

17.99% APR4

Comparison of Annual Percentage Rates (APR) as of 6/15/22 and subject to change. Lowe's™ is a registered trademark of  Lowe's Company Inc. Best Buy™ is a registered trademark of Best Buy Properties. The Home Depot® is a registered trademark of Home Depot Product Authority, LLC. Capital One® Walmart Rewards™ Mastercard is a registered trademark of Capital One.

Use your Line of Credit for anything.

Accessing your line is quick and easy! And with our Home Equity Line Visa® card, purchases work just like a credit card.

Shop at retailer like this:

  • Home improvement stores

  • Electronics & appliance stores

  • General houseware stores

  • Service providers

  • Online retailers

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Home Equity Line VISA® card

Breathe easier by consolidating bills.

Use your HELOC to turn multiple payments into one, making them a whole lot easier to manage. Want to know what that payment could be or how much consolidating can save you? Use the calculator below.

This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Put your home's equity to work for you.

Apply Now   apply online or visit us   Visit us



You can also call us at 920.830.7200 during business hours.