Hurricane Helene Recovery

First and foremost, we hope all our members and their families are safe and recovering from Hurricane Helene. All Champions First Credit Union Credit Union branches are fully functional and ready to serve our members and community.

We thank you for your patience while we assessed the safety of our team and worked through the complexities of reopening the branches after the necessary closures. And, we appreciate your understanding should we experience any intermittent connectivity issues as we transition back into normal operations.

We also extend our gratitude to all first responders and utility personnel who continue to work around the clock to rebuild our communities.

We understand this storm may have created financial challenges for some, and we are here to assist our members and communities in the wake of Hurricane Helene:

Emergency Assistance Loans
Emergency assistance loans are available for qualifying members with same-day funding. Contact us for details. Some restrictions apply.*

Home Equity Line of Credit
Ask us how you can leverage the equity in your home with a home equity line of credit options with no closing costs and introductory rates as low as 4.99% APR** for the first 12 months.

Loan Deferment Options
If you feel you may be unable to make your Champions First loan payment due to storm-related recovery issues, please contact us regarding possible loan deferment options.*

For more information on these services, please visit one of our ten branch locations or contact us at [email protected], Additionally, our member service center representatives are available Monday – Friday from 8:00 A.M. to 6:00 P.M. Eastern Time by calling (850) 224-4960 or toll-free at (877) 463-7828.

As always, we thank you for your membership.

*Please contact a credit union representative for details and qualifying criteria.

**You must be eligible for membership and approval for a loan to participate. Loan rates and terms vary depending on your credit score and loan history. Home Equity Line-of-Credit has a variable APR with a maximum APR of 18%. The adjustable index for these loans will be based on the prime interest rate as quoted in the Wall Street Journal two business days prior to the change and adjusted on the 1st business day of each quarter. This index is then adjusted based on members’ risk score. The rate changes shall be made every quarter and payments will change monthly based on the current prime rate and the balance. The Credit Union reserves the right to reinstate the original floor APR (Annual Percentage Rate) at any time at its sole discretion. The fees and costs required to open the Home Equity Line-of-Credit are usually between $50 and $1500. These fees will be paid by the credit union if your initial withdrawal is at least $5,000. If your loan is satisfied in full within the first year, you must pay back all of the closing costs. If the loan amount is satisfied in full within the second year, you must pay back half of the closing costs. Property insurance is required. Credit standards apply. Mobile homes may be excluded. Please contact a credit union representative at 877-463-7828 for more details. NMLS # 456949