Tap Into Your Florida Home Equity with Confidence
A HELOC (Home Equity Line of Credit) lets you borrow against the equity in your Florida home. Whether you’ve built equity through mortgage payments or home improvements, a HELOC from Dade County Federal Credit Union (DCFCU) gives you flexible access to cash when you need it most.
Available for owner-occupied primary residences located in South Florida. A DCFCU HELOC can help you finance home improvements, consolidate debt, cover unexpected expenses, and more. At DCFCU, we take pride in guiding you through every step of the process, providing personalized support and local expertise to help make borrowing against your home's equity simple and stress-free.
Perfect for Florida homeowners looking to fund:
- Home renovations or kitchen/bathroom upgrades
- Emergency expenses or unexpected repairs
- Debt consolidation
- Medical bills or major life events
Limited-Time Introductory HELOC Rates
Apply now and enjoy one of our best introductory offers:
- As low as 4.49% APR* for 12 months
- As low as 7.25% APR* for 24 months
Plus, enjoy these great benefits:
- Lender-Paid Closing Costs — up to $1,500*
- Flexible open line of credit — draw funds as needed
- Potential tax-deductible interest (consult your tax advisor)
-
Local service from a credit union that knows South Florida
Why Florida Homeowners Choose DCFCU for HELOCs
- Fast local approvals and personalized service
- Competitive rates tailored for residents of South Florida
- Flexible terms designed to fit your budget
Ready to turn your home equity into cash? Apply today and take advantage of these special introductory rates before they end.
Home Equity Line of Credit (HELOC)
Rates effective as of July 20, 2026
HELOC has a 20-year term with 10-year draw period.
| Introductory Term | Introductory APR | Min. Loan Amount |
|---|---|---|
| 12 Months | As low as 4.49% |
As low as $30,000.00 |
| 24 Months | As low as 7.25% |
$30,000.00 |
*APR=Annual Percentage Rate. Introductory rate as low as 4.49% APR available for 12 months and 7.25% APR available for 24 months with a minimum draw at time of closing of $30,000 or full line, if less than $30,000. Credit Union pays customary closing costs up to $1,500. Up-to 80% CLTV (combined loan-to-value), PMI may be required, subject to property valuation, valid for primary residences, single family, PUD or condos in Florida only. Existing loans are not eligible for promotional rate unless new loan with an increase advance of $30,000 is obtained. After initial promotional period, APR is a variable rate, subject to Prime plus or minus contracted margin. The APR will not go below the Floor Rate of 4.00%. Member must repay the closing costs if the loan is paid and closed prior to 2 years. Must close with A&M Title. Homeowners/Windstorm is required and Flood Insurance is required if property is in a Flood Zone. Loan programs, rates, and terms may change or be discontinued at any time without notice. Federally Insured by NCUA. Membership is required.
The NMLS ID unique to Dade County Federal Credit Union is 410320. Please click to see individual MLO.