Dream Home-Home Improvement Plus Loans

A flexible funding option for today's homeowner. 

Need funds for home improvements, rehabilitation or repairs? Apply for a USSFCU Home Improvement Plus Loan and get the funds that you need to begin those home upgrades. This fixed rate, closed-end home equity loan is designed for homeowners with limited equity who want to increase the value of their current home by making improvements.

  • Borrow up to 120% of the equity in your home.
  • Fixed rate is locked for the life of the loan
  • Loan amount ranges from $7,500 to as much as $70,000
  • Terms up to 180 months
  • Interest may be tax deductible+

Apply Online! If you are a member, log in to CUAnyHour+ Online Banking and click on the "Apply for Loan" tab to get started. 

If you are not a member but would like to apply for a loan, first apply for USSFCU membership. Once you become a member you can apply for a loan through CUAnyHour+ Online Banking.

Not a member? Not a problem. With 140 plus paths to membership, joining is simple and easy. Join today!

APR = Annual Percentage Rate. Loans are subject to credit approval. Rates and/or credit limits are based on creditworthiness, income and debts. Not all applicants will qualify for the lowest rate. Home Improvement Plus loan offers fixed rates, loan amounts between $7,500 and $70,000 and repayment terms up to 180-months. Appraisals may be required for Home Improvement Plus loans with a debt to income ratio over 43%. Appraisal fees can range from $380-$450 and may be higher based on property values or for remote properties. + Consult a tax adviser.

The United States Senate Federal Credit Union complies with the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). A list of our registered originators can be found by searching for the United States Senate Federal Credit Union here.

Members should not send personal information via email.