DCCU Routing # 251483311
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Faster, more secure access to your account
- Same account information
- Deposit checks or open certificates
- Apply for loans
- Use the same login information or use fingerprint or Face ID.
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When it comes to borrowing money for the things you need, using the equity in your home is an often overlooked option that can help provide financial flexibility. Equity is the difference between the appraised value of your home and what you owe on your mortgage. When you take out a Home Equity Line of Credit (HELOC) or a Home Equity Loan, you are borrowing against that equity.
HELOC vs. Home Equity Loan
Ideal for ongoing home improvement projects, a HELOC operates as a revolving line of credit, which allows you to borrow only what you need, pay it back, and then draw more as needed. Once you have a HELOC, it is there when you need to use it and you only pay back what you actually borrow.
A Home Equity Loan is an alternate type of home equity financing for when you need funds up front for one-time expenses such as debt consolidation. You pay it back over a fixed term at a fixed rate, similar to the original mortgage.
A financial professional can help you determine which home equity option is best for your individual needs.
This article is for general information only and not intended to provide specific advice or recommendations for any individual.
Contact Us
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365,
Waynesboro, VA 22980
Local Calls: 540.946.3200
Out of Area Calls: 800.245.8085
P.O. Box 1365, Waynesboro, VA 22980
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