Mortgage Loans




Land Loan Offer


If you are planning to purchase land, refinance, or utilize the equity in your land, we have a program for land loans available. Members can borrow up to 70% of the appraised value of the land for up to 15 years. (Minimum borrowed amount is $5,000 and the maximum amount borrowed is $200,000). Contact us today for more details.  Apply Now



Conventional Mortgage Loans

Looking for a new place to hang your hat? Let Central help with a low interest fixed or variable rate Mortgage Loan. Central can get you in a new home with a term to fit your needs. Whether this is your first home or you need to refinance your existing mortgage loan Central can help meet your needs.  For more details contact the loan department.
Apply for In-House Central First Mortgage
Apply for Conventional Mortgage 
Click here for rates



Home Equity Loans


You've been living in your own built in vault for years as long as you've been making your mortgage payments faithfully through the years. Now that the vault is packed, cash in and use some of that equity to your advantage. Add a pool, consolidate high interest debt, pay college tuition, take a once in a lifetime vacation, and much more with a Home Equity Loan from Central. Contact us now to learn how to crack the vault to your dreams.      


 Apply Now


*Central's In-House First Mortgage Loans receive a 0.25% APR discount with your Central Checking account.*


Fast and Easy Home Equity Loan


  • Very Minimal Closing Costs
  • Fixed Rates/Terms
  • Borrow up to 80% loan to value
  • Possible tax deduction (consult your tax advisor)




First Mortgage Refinancing


Central also offers refinancing on combined first and second mortgages. Members can borrow up to 110% of their home's appraised value. Click here to find out more about CCUFL's First Mortgage Refinancing.





Now introducing ADT and Allied Moving Benefits through Love My Credit Union.  These benefits are extended to CCUFL members. 

Click here more information.