Home Equity Loans & HELOCS 121 Financial Credit Union lets you tap up to 80% of your home's appraised value to finance repairs or renovations.

Our "Honey Do" HELOC is Back & Even Better!

Sick of that pink bathroom tile? Staring at popcorn ceilings? Is your stove older than you are?

Make improvements and upgrades with a flexible “Honey Do” HELOC from 121 Financial with a rate as low as 8.75% and the credit union will pay up to $500.00 of your closing costs with an initial advance of $20,000 and the plan remains open for 12 months (for credit limits of up to $250,000). Borrow up to 80% of your home's appraised value -- the most allowed by any lender in Jacksonville -- and get to work.

  • Borrow up to 80% of your home's appraised value.
  • Rates as low as 8.75%, depending on creditworthiness. 
  • The credit union will pay up to $500.00 of your closing costs with an initial advance of $20,000 and the plan remains open for 12 months (for credit limits of up to $250,000)
LOAN AMOUNT: Up to 80% of Loan to Value
INTEREST RATE: As low as 8.75% APR*
*APR = Annual Percentage Rate. Variable rate tied to Wall Street Journal Prime Rate plus a margin. Rate is based on Prime plus .50% and changes when Prime changes. The margin used will depend on your individual creditworthiness. Prime rate is 8.25% as of May 23, 2023. Floor rate 3.50% and maximum rate 18.00%. The credit union will pay up to $500.00 of your closing costs with an initial advance of $20,000 and the plan remains open for 12 months (for credit limits of up to $250,000). All rates and terms are subject to change without notice. Other restrictions may apply.

**The credit union will pay up to $500.00 of your closing costs with an initial advance of $20,000 and the plan remains open for 12 months (for credit limits of up to $250,000). If you close your account during the first 12 months, we will add any closing costs we paid on your behalf to your outstanding balance.

cdfi
121fcu ncua
equal housing lender Jacksonville
SBA-LenderDecal-FINAL

Upcoming Events

Scroll to Top Skip to content