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Routing Number: 211180133


Equal Housing Lender   Verified by Visa
Federally Insured by NCUA

360 Federal Credit Union

360 Federal Credit Union
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Home Equity Line Of Credit
Access money when you need it by check or a funds transfer from the loan.

Get a revolving line of credit and save money right from the start. No title search fees, no appraisal fees, no closing costs, no annual fee or prepayment penalties.

  •  Low variable rate4 over 5 year draw period
  •  10 more years to repay
  •  Borrow up to 90% LTV4
  •  Pay interest only on what you borrow
  •  Take advances for $250 or more
Home Loans
Our experts will get you a highly competitive mortgage package tailored to your particular needs with a great rate, low or no down payment, low closing costs and less paperwork.
Save time, money and worry.

Whether you're buying your first home or refinancing an existing one we have the right mortgage for you!

  •  15, 20, 30 year fixed mortgages
  •  Adjustable rate mortgage (ARM)
  •  Second home
  •  First time home-buyer

Get rate, or Apply Now.
Home Equity Loans
Get the cash you need.

Tap into the equity in your home to pay for college, consolidate debt, remodel, travel, your options are endless! No title search fees, no appraisal fees, no closing costs, no annual fee or prepayment penalties.

  •  Fixed rate and term 5 - 15 years
  •  Potential tax write off2
  •  Borrow up to 80% CLTV3

       APR = Annual Percentage Rate.

1) Rate based on $100,000 loan amount and 20% down payment. Rates apply to owner occupied, primary residence or second home, purchase and no-cash-out refinance. Investment properties ineligible. Maximum financing; 1 Unit, 95%; 2 - 4 Unit, 80%; Condominium or PUD, 90%. Points paid are a percentage of the loan amount (1 point = 1% of loan amount.)

ARM= Adjustable Rate Mortgage. Rates quoted are variable rates. 1 Year ARM, rates subject to change annually. 5/1 ARM, rate fixed for the initial 5 year period. Subject to change annually thereafter.

2) Interest on the portion of the loan that exceeds fair market value is not deductible for federal income tax purposes. Consult your tax advisor.

3) Rates apply to owner occupied, 1 - 4 family properties.
Minimum loan amount $10,000.
Rates listed are based on our credit grade "A".
Your rate may vary depending on your term selected and individual credit score.
Ask us about our Credit Plus+ Lending program

Fixed Rate Home Equity Loan CLTV Limits: CLTVs between 80.01% - 90%% have a maximum 10 year loan term and maximum loan amount of $75,000.00.

4) Rates apply to owner occupied 1 - 4 family primary residences. This HELOC is a monthly variable rate loan. The APR can change at each billing cycle and cannot increase more than 6.00% above the initial rate, at no point will the APR go below our floor rate of 3.50%.
Minimum loan $10,000.

HELOC Add ons: (CLTV); 80.01% to 90%: Add 1.00% to prime rate (Prime currently at 4.25%).
Max line of credit amount $75,000.

       All loans and lines subject to credit approval.
Rates are effective as of the date shown and are subject to change without notice.

Fixed Home Equity Rates
(CLTV┬│ <= 80%)
Rates as of:
Up To 60 months
61 - 84 months
85 - 120 months
121 - 180 months

Payment Example: On a 5 year Home Equity Loan, borrowing $40,000 at 3.50%, your monthly P&I payment would be approximately $727.67.

Home Equity Line Of Credit Rate
Rates as of: 6/15/2017
Prime Rate Minus 1.00%
15 Years

Term: 15 Years. 5 year draw period. 10 year P&I payback period.
Rate: Prime Rate Minus 1.00%.