Home Equity Financing

Turn Home Value
Into Smart Financing

Upgrade Your Home and Enhance Your Life.

Two great ways to borrow, one trusted partner.

Home Equity Loans

This type of loan allows you to borrow a lump sum against the equity you’ve built in your property — perfect for major expenses like home renovations, debt consolidation, or college tuition.

Borrow up to 80% of your home’s equity.

Fixed rates, flexible terms, and low monthly payments.

Interest may be tax-deductible.³

HELOCs

A Home Equity Line of Credit (HELOC) lets you tap into funds as needed, up to your approved limit — ideal for ongoing expenses like home improvements, unexpected costs, or managing cash flow.

Access cash with a flexible credit line.

Pay interest only on the funds you borrow.

Interest may be tax-deductible.³

Not sure which option is right for you?

Fill out the form below, and one of our skilled Lending Specialists will help you with the process.

Our Home Equity Financing Offers:

Fast Processing Icon

Fast Processing

From application to approval, we work quickly so you can focus on finding the perfect home.

Fast Forward

Competitive Rates

Lower rates mean more savings — and more room in your budget for what matters most.

Service Icon

Excellent Service

Our commitment to excellent service means we’re here when you need us most.

Home Equity Loan Rates

Home Equity Loan Rates

TermRateAPR1 As Low As
48-240 months5.99%-10.69%5.99%
DISCLOSURES:  
READ MORE >

¹APR=Annual Percentage Rate. The lowest rate is displayed. Your rate may be higher based on your credit worthiness. All loans are subject to property valuation, limited to one-to-four family units located in the state of California, excludes manufactured and mobile homes. Other restrictions on the property may apply. Loans secured by your home other than your first mortgage must be paid at the time of account funding. Property insurance required. Flood insurance might be required. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan paid off or closed within the first 36 months.

HELOC Rates

Home Equity Line of Credit Rates

Term1AmountAPR2 As Low As
Total Term: 25 years
Draw period for advances: 10 years
Repayment period: 15 years		$10,000 and up7.75%
DISCLOSURES:  
READ MORE >


1 Term: There is an initial 10 year draw period for advances followed by a 15 year repayment period for a total term of 25 years.
2APR= Annual Percentage Rate. The lowest rate is displayed. Credit worthiness determines APR.

  • Index: 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. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of the day of any APR adjustment. APR assumptions are based on a line amount of $25,000.

  • 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. The minimum APR is based on your credit worthiness. 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.

  • Other conditions: All loans are subject to property valuation, limited to one to four unit owner occupied properties located in the state of California and exclude 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.