Home Equity Loans - Tobacco Valley Teachers FCU

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In using the Virtual Branch you are leaving the Tobacco Valley Teachers FCU website. The website you have selected is an external one located on another server not operated by our credit union. Tobacco Valley Teachers FCU is not responsible for the content on any external website. Our credit union does not endorse the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external website. Our credit union does not represent either the third party or the member if the two enter into a transaction; and privacy and security policies may differ from those practiced by our credit union.

Home Equity Loans

Home Equity Fixed Rate Loan

Your home is one of the greatest assets you will ever own. Our Fixed Rate Home Equity Loan gives you the opportunity to use this asset in order to pay off high interest credit card bills, outstanding loans, or even just to do some home improvements.

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Home Equity Line of Credit

A home equity line is a form of revolving credit, in which your home serves as collateral. Our Home Equity Line of Credit (HELOC) has a variable rate of (Prime + 0). You can draw against the line for 10 years and pay interest only. At the end of the 10 year draw period you begin a 15 year repayment of principal and interest.

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Let your home work for you. Contact our Loan Department at 860-253-4780 or 800-749-8305 for more information.

Member Discount on Homeowners Insurance

Members may purchase homeowners insurance at a discounted rate through our insurance partner TruStage. For more information call 844-337-5830 or visit https://www.trustage.com/.*

**The insurance offered is not a deposit and is not federally insured by NCUA. The insurance is not guaranteed by the credit union nor an obligation of the credit union. The insurance may lose value.

TVTFCU NMLS# 415585

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What Our
Members
are Saying

"I have been a member at the credit union for over 30 years. Everyone there is beyond helpful and goes above and beyond. The staff are all amazing. From my everyday banking to when I have questions about certain things that I need to have done, I can always count on everyone there. Most recently with my mom passing away and not being sure what to do with her accounts and how to handle things properly everyone at the credit union walked me through what I needed to do. I cannot imagine every changing my banking institute to a "big bank"."
Amy Diaz
Member Since 1991

"I opened my Savings account at the credit union in 2000. Since then, my wife and I have refinanced our home (twice), secured loans for at least six cars, and continue to maintain their services while we move into our retirement years. The staff make every inquiry seem special and easy. Whether over the phone or when you walk into the lobby, they make you feel like family. TVTFCU = Total Value, Teamwork, Friendships, Caring and Understanding. Thanks so much for being there for us."
Mike and Lynne Byrnes
Members Since 2000

"The Tobacco Valley Teachers Federal Credit Union is a welcoming community that fosters support of all its members. My family has been members since 1984. We have received quality assistance no matter what our needs have been. My children are now also members of the credit union and have experienced the warm and friendly environment as well."
Robert Cressotti
Member Since 1984

"TVTFCU is like Home! Everyone is Family! When you walk in everyone knows your name and banking is the second thing that has to happen. My children love to learn how to bank with all of the incentives that TVTFCU provides to teach them how important savings is for life. Thank you for all that you do for our family!"
Katie Hunt
Member Since 1997

"Why do I love the Tobacco Valley Teachers Federal Credit Union? The people of course! I walk through the front door and I feel like I'm home. Everyone is so happy to see me. They are so kind and helpful every time I’m there. I have NEVER been steered in the wrong direction with the advice I have taken from all of them! Thanks for always being there for me!!"
Debbie Roberts
Member Since 1986

"Being a member of the credit union means paying almost no fees but still getting the services of a big corporate bank. I've been a member of the credit union for so many years that I signed the papers for my first car loan in the living room of the Cowles’ home on Frew Terrace in Enfield!! When I call the credit union I always get clear instructions and an answer to my question, and I can go into the office and actually meet with the person I spoke with on the phone!!
Karen Jones
Member Since 1977

"I have been with the Tobacco Valley Teachers Credit Union for years now and would never go anyplace else. As a matter of fact, I have gotten my niece to sign up and am moving my parents' account also. They are friendly, knowledgeable, and more than willing to help you with anything you need. The rates are great and the personal service I receive is unmatched by any chain bank. They also have really good cookies on Fridays and coffee every day! You can't find a better place!"
Kathie Steinert
Member Since 1974

"Thank you to the Tobacco Valley Teachers Federal Credit Union. I have been blessed to have this wonderful organization take care of me for over twenty-five years. The ladies at the credit union are simply the best! They are patient, professional, personable and trustworthy. They have helped to manage my financial life and because of their professionalism and sincere concern I have enjoyed a sense of confidence and security."
Judie Hourihan
Member Since 1986