Home Equity Loans and Lines of Credit

It's time your home paid you back
Apply Now

Special Offer:

Watch your spring projects take off with Home Equity Line of Credit (HELOC) rates as low as 1.99% APR for 6 months* and Fixed Home Equity Loan rates starting at 3.99% APR.**

 

Unlock your home's equity:


When a renovation project, large purchase or debt consolidation is in order, your financing could be on the house.
 

HELOC
Access cash if and when you need it with this flexible credit line that uses the equity in your home as collateral.

  • Pay interest only on the funds you use
  • Interest may be tax-deductible (consult your tax advisor)
  • View our HELOC rates now

Home Equity Loan
Borrow a fixed amount, secured by your home's equity, and receive your money in one lump sum.

  • Borrow up to 80% of your home's equity
  • Fixed rates, flexible terms and low monthly payments
  • Interest may be tax-deductible (consult your tax advisor)
  • View our Home Equity Loan rates now
*APR=Annual Percentage Rate. Approval is subject to underwriting guidelines, verifications, collateral valuation and loan-to-value. Introductory interest rate is as low as 1.99% APR and is based on credit worthiness. Not all applicants will qualify for the introductory rate. Introductory rate valid for six billing cycles. After that, the APR is variable based on the value of an index and margin. The APR will be 6.25% to 8.00% based on your credit worthiness and based on the current margin and current Prime Rate. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. We will use the most recent index value available to us as of the day of any annual percentage rate adjustment. Rates, terms and services are subject to change without notice. Offer is valid for owner-occupied properties only. Offer does not apply to the refinance of an existing Sacramento Credit Union HELOC. Limited time offer valid March 27 to May 24, 2019. Offer, rates and terms subject to change without notice.

**APR=Annual Percentage Rate. Approval is subject to underwriting guidelines, verifications, collateral valuation and loan-to-value. Promotional interest rates start at 3.99% APR for 48 months, and are based on credit worthiness. Not all applicants will qualify for the promotional rate. Maximum repayment term is 20 years. Minimum loan amount of $10,000 required for a 4-year term, minimum loan amount of $25,000 required for a 20-year term. Rates, terms and services are subject to change without notice. Offer is valid for owner-occupied properties only. Offer does not apply to the refinance of an existing Fixed Home Equity Loan from Sacramento Credit Union. Limited time offer valid March 27 to May 24, 2019. Offer, rates and terms subject to change without notice.