Home Improvement Loans

Making improvements to your home is always a good investment.  Not only does it increase the value of your home, but it makes your home look and feel better.  These loans are granted to you for the purpose of making permanent improvements to the interior or exterior of your home.  They can be unsecured or secured with real property at a fixed rate and are a great option when property equity is limited.  Loan decisions are usually made within 24 hours.

Secured Unsecured
Minimum Loan Amount



Maximum Loan Amount

100% of your home's value*, plus 50% of the improvement costs, less the current first mortgage balance

Maximum total unsecured credit amount with FFFCU is $30,000**


Up to 10 years

Up to 5 years

*The home’s value is determined by making an on-line assessment.  Alternatively, the  member can pay for an appraisal to determine the home’s value after improvements are completed.
**Exceptions may be granted by the Loan Officer in cases where it is in the best interest of the member and the Credit Union to make the loan; helping the member to make required repairs to the home.

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