Why Join
We are committed to making sure members are on the financial path that works best for them and their situation.
Unlock your equity with TTCU.
Your home's equity is the difference between its current value and what you still owe on it. We make it easy with straightforward loans and lines of credit, allowing you to unlock your equity.
Use Your Equity For:
- Debt Consolidation - Lower your monthly payments
- Home Improvements - Create the space you've dreamed of
- Pay for College - Invest in your family's future
Two Ways to Use Your Home's Equity
TTCU offers two flexible solutions to put your home's equity to work:
Home Equity Line of Credit
A HELOC works like a credit card—borrow what you need when you need it. Ideal for ongoing projects or when you need financial flexibility.
Intro APR as low as 6.25% for the first 36 months from origination then variable rates as low as our current rate of 7.25% APR.
Home Equity Loan
or Second Mortgage
Works like a traditional loan—Get a one-time lump sum. Perfect for large expenses when you know your budget.
Fixed rates as low as 6.625% APR.
Ready to Discover Your Home's Potential? Get Started Today!
- Apply online
- Email us to get started
- Contact a Mortgage Loan Originator
- Calculate Your Equity
Membership eligibility required. All loans are subject to credit approval, underwriting, collateral appraisal and terms and conditions. Offers subject to change or cancellation at any time without notice. Actual rates and terms may vary based on creditworthiness, property value, loan amount, and other factors. Not all will qualify for the lowest rate. During the 5-year draw period, minimum payments are interest-only or $30, whichever is greater. After the 1st month or 36th month depending on the product you choose, your rate is based on an index plus a margin and varies monthly. After the draw period, a 15-year repayment period begins with monthly payments of principal and interest. As of 10/1/25, based on the index and margin, the fully indexed APR could be as low as 7.25%. Your rate may vary. Maximum APR is 18%. After the draw period, a 15-year repayment period begins with monthly payments of principal and interest. Closing costs range from $560 to $2,500. Property and/or flood insurance may be required and is not included in the closing costs. Consult a tax advisor regarding deductibility of interest.