If you own a home and need funds for college tuition, home improvements, etc., tap into your home's value with a Home Equity Loan.  A drawable line of credit or one-time cash advance is available; low, up-front processing costs can be factored into the loan; the borrowed money is secured by your home; and interest payments may be fully deductible.  OCFCU also offers a special, low introductory rate for first-time borrowers.