Rates effective as of February 29, 2024.

Owner Occupied
Combined Loan to Value 80% or Less
Minimum Line Amount $10,000
Draw Period for Advances 10 Years
Term 25 Years
Repayment Period 15 Year Repayment Period after 10 Year Draw Period for Advances expires
Loan Fee You may have to pay a service fee to remove any prior liens
Index1 7.00%
Margin Range 0.75% to 2.50%
APR2 Range 7.75% to 9.50%%
Maximum APR* 15.00%
Minimum APR* Rate is based on credit worthiness
Non-Owner Occupied - Not Available

*12APR=Annual Percentage Rate. The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. 

Rate Changes: The annual percentage rate can change on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one-year period. The maximum APR that can apply is 15.00% or the maximum permitted by law, whichever is less. Please contact the credit union for your qualifying minimum rate and margin.

Borrower Fee Reimbursement: Up to $750 fee reimbursement paid by the borrower if equity loan or line paid off or closed within the first 36 months.

Property Insurance: You must carry insurance on the property that secures this plan. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance if it is available.

All loans are subject to property valuation, owner-occupied properties limited to one-to-four units located in the state of California. Excludes manufactured and mobile homes. Other restrictions on property may apply. Loan secured by your home other than your first mortgage must be paid at time of account funding. Rates, APR and terms and conditions subject to change without notice.