When you apply for a new Home Equity Loan or Refinance your existing one from another financial institution, you’ll be entered to win a 5-day/4-night Cruise for Two!2
Whether you're planning a renovation, consolidating debt, or just looking to lower your monthly payments, there’s never been a better time to act. With competitive rates and a fast, friendly process, we make it easy to take the next step in your financial journey.
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You can apply online, in a branch, or by calling/texting 786.257.2300
1 APR = Annual Percentage Rate. The rate shown is the lowest available and your rate may be higher. Rates as low as 5.99% APR for 60 months. APR not to exceed 18.00%. The Minimum pre-approval amount is $20,000.00. The final approved amount could be higher and will be based on creditworthiness, income, collateral, and other factors. Advertised rates are subject to change without notice. All loans are subject to approval. Baptist Health South Florida FCU membership is required. Other restrictions may apply. 2 The raffle is limited to existing members. Loan application must be submitted between October 1st - November 30th and must be funded by December 31, 2025. Winners will be picked at random on January 1st, 2026, using a random virtual wheel and announced soon after. See cruise certificate for full details. 3 Loan amount may vary based on creditworthiness, collateral, and other factors. BHSFFCU Home Equity Loans are limited to a maximum CLTV (combined loan-to-value) of 80%. 4 BHSFFCU will pay closing costs up to $1,000. If a Home Equity is paid-off within the first 24 months from the date opened, the borrower will be required to repay all closing costs provided by BHSFFCU. 5 Loan proceeds will be deposited into your BHSFFCU savings or checking account when the loan closes. Insurance is required; flood insurance and property appraisal may also be required. Title insurance and recording fees may be assessed. Costs to satisfy certain prior liens may also be assessed. Offer applies to owner-occupied residential properties only and is subject to no less than a second lien position.