Turn the value of your home into something useful. Whether you're planning a renovation, covering tuition, or consolidating debt, a Home Equity Loan or HELOC from County Excellence FCU gives you access to flexible funding with competitive rates—and the support of a credit union that puts Martinsville families first.

We’re your local, trusted partner for borrowing against your home’s equity. And we’re ready when you are.

What Is a Home Equity Loan or HELOC?

A Home Equity Loan allows you to borrow a lump sum at a fixed rate, while a Home Equity Line of Credit (HELOC) gives you access to funds as needed with variable rates—similar to a credit card, but using your home’s equity as collateral.

At County Excellence FCU, we offer both options to meet your needs. Whether you want predictable monthly payments or flexible access to funds over time, our team is here to help you decide what works best.

Why Choose County Excellence FCU for a Home Equity Loan?

We're more than a lender—we're your neighbor. Members in Martinsville count on us for:

  • Competitive home equity rates

  • Local decision-making and personalized guidance

  • Friendly, responsive service

  • A financial partner that knows the area and values your time

We’re not a big bank. That’s the point.

Benefits of Our Home Equity Loans and HELOCs

  • Fixed or variable rate options

  • Flexible repayment terms

  • Low closing costs

  • Quick approvals and local servicing

  • Online application for your convenience

You’ve worked hard for your home. Let it work for you.

What You’ll Need to Get Started

Applying is easy, and we’ll walk you through every step. Typically, you’ll need:

  • Proof of homeownership

  • Recent income verification

  • Good standing with the credit union

  • Equity in your home (typically at least 15–20%)

Not sure if you're ready? We’re happy to answer questions and guide you through your options.

Frequently Asked Questions

How much can I borrow?

It depends on the value of your home and how much equity you’ve built. Our team will help determine what’s available.

Is a HELOC better than a Home Equity Loan?

If you need ongoing access to funds, a HELOC may be more flexible. If you want a one-time lump sum with fixed payments, a Home Equity Loan might be the way to go.

Are there any fees?

We keep fees low, and our team will walk you through any applicable closing costs or conditions upfront—no surprises.

Ready to Take the Next Step With Your Home Equity in Martinsville?

A Home Equity Loan or Line of Credit can open the door to new possibilities—without leaving your neighborhood. At County Excellence FCU, you’ll get local service, fair rates, and a team that’s here to help you make informed, confident decisions.