Home Equity Loans and Lines of Credit

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It's time your home paid you back

Limited Time Offer: Make your home's equity work for you with HELOC rates as low as 1.99% APR for 6 months* or Fixed Home Equity Loan rates as low as 3.99% APR for 4 to 20 year terms.

When a renovation project, large purchase or debt consolidation is in order, your financing could be on the house. With a Home Equity Loan or Line of Credit (HELOC), you can tap into your home's equity as a revolving line of credit that works just like a credit card, or as a lump-sum loan.


Get financing from a Home Equity Loan:

Your loan can be applied to anything, including home renovations, debit consolidation and higher education expenses. Our competitive rates will keep your monthly payments lower.

  • 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
Use a HELOC for any purpose:

Flexible HELOCs take advantage of the increasing value in your home. We'll order an appraisal of your home and let you know exactly how much equity you can access.

  • Pay interest only on the funds you use
  • Interest may be tax-deductible (consult your tax advisor)
  • View our HELOC 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 5.50% to 7.25% 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 Home Equity Line of Credit (HELOC). Limited time offer valid March 27 to May 25, 2018. 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 rate is as low as 3.99% APR and is 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 25, 2018. Offer, rates and terms subject to change without notice.