Ready to turn your home’s value into a dream getaway? For a limited time, when you refinance or fund a new Home Equity Loan of $75,000 or more, you'll set sail with a certificate for a 5-day/4-night cruise for two! Whether you’re planning a major renovation, consolidating high-interest debt, or funding a milestone, you can tackle your financial goals and your travel bucket list at the same time. It’s our way of rewarding you for making a smart investment in your future.
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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 Cruise incentive is limited to existing members. Loan application must be submitted between April 1 - May 31 and must be funded by June 30, 2026. Eligible cruise recipients will be contacted soon after July 1st to receive their cruise certificate. See cruise certificate for full details. 3 Loan amount may vary based on creditworthiness, collateral, lien position 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 closed 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.