HELOC & Home Equity Loans in Tampa

Two Ways To Put Your Home Equity To Work.

Put the equity you've built in your home to work for the home you want.

Your home is your biggest investment. Transport Credit Union gives you two ways to use the equity you've already earned to fund the improvements that matter most. Choose a Home Equity Loan when you know exactly what your project costs, or a Home Equity Line of Credit (HELOC) when you want to draw what you need, when you need it.

A HELOC Can Help You Cover More Than One Upgrade.

Unlike a traditional home improvement loan, a HELOC gives you a revolving line of credit: draw what you need, when you need it, and only pay interest on what you use.

A HELOC Is The Best Choice If:

• You plan to do more than one project
• You want flexibility around when you access your funds
• You aren't sure of the exact dollar amount you'll need

*Rate Disclosure: APR = Annual Percentage Rate. Rate as low as 6.25% APR is subject to credit approval and may vary based on creditworthiness, loan-to-value ratio, and other qualifying factors. Your actual rate may differ. Terms and conditions apply. Contact a Member Representative for complete details.

**Closing Cost Disclosure: Transport Credit Union is paying up to $1,000 of your closing costs with an initial advance of $15,000. If the balance is paid in full within 36 months of the first payment date, the closing costs paid by Transport Credit Union will be added to the loan's payoff. If a full appraisal is necessary, that fee is the responsibility of the borrower and will be collected prior to closing.

A Home Equity Loan Can Cover Your Biggest Project.

A Home Equity Loan from Transport Credit Union is a good fit when you have one large project and know exactly how much money you need. You receive all of your funds at once and repay them over a set term.

A Home Equity Loan Is The Best Choice If:

• You are making a one time purchase or improvement
• You know exactly how much your project will cost
• You don't expect to need more money later

***Home Equity Loan Disclosure: All loans are subject to approval by the Credit Union’s lending guidelines. Restrictions may apply.

What Can You Improve?

From essential repairs to full-scale renovations, a Transport CU Home Equity Loan or HELOC gives you the financial flexibility to get it done right:

• Kitchen Remodels — New cabinets, countertops, appliances, and flooring. Transform the heart of your home.
• Bathroom Upgrades — From fresh fixtures to a full renovation, give every bathroom the update it deserves.
• Roofing & Windows — Protect your investment and improve energy efficiency with structural upgrades that add lasting value.
• Additions & Expansions — Add a room, finish the basement, build a garage. Your home equity grows with your vision.
• Outdoor Living Spaces — Decks, patios, landscaping, and pools. Make the most of every square foot of your property.
• Energy Efficiency Improvements — Solar panels, insulation, HVAC upgrades — improvements that pay you back over time.

How It Works