Helping You Unlock Your Home's Value

Couple making home repairs

Home Loans

** Try out new Home Equity Loan and Home Equity Line of Credit Rebate program! Take out $35k in your fixed Home Equity Loan, or take out $50k in your Home Equity Line of Credit, and receive $150 from us after your first two payments!**

Tap into your home’s equity to get the cash you need. A low-rate home equity loan or line of credit from HUD FCU is just what you need for home renovations, debt consolidation, and so much more!

Home equity loans are offered to members living in Washington, DC, Maryland and Virginia. Purposes are: home improvement project, pay off high-interest credit cards, tuition, car, standby credit for emergencies. Interest could be tax-deductible (consult your tax advisor). Please see a Loan Officer for current rates and terms or call 202-863-2800 and choose option 4.

Mortgages are also available to certain member states, please contact a loan officer for more information.

Home Equity Loan



3.99%
As Low As APR

  • Borrow up to 95% of the appraised value of the home, less the amount remaining on a first trust.
  • Minimum loan amount is 10,000.00
  • Maximum loan is $100,000
  • Maximum term is 15 years.
  • Pay no points, application or credit report fees

Home Equity Line of Credit



5.00%†
As Low As Variable APR

  • Variable rate changing quarterly
  • Borrow up to 95% of the appraised value of the home, less the amount remaining on a first trust.
  • Minimum loan amount is 10,000
  • Maximum loan is $100,000
  • Term is 15 years.
  • Pay no points, application or credit report fees