Home Equity Loan Rates

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Make more of your home's equity work in your favor

When you're ready to use your equity to tackle a large, one-time project or expense, you want a home equity loan rate that keeps more money in your pocket. That's where Sacramento Credit Union comes in.


Rates effective as of April 21, 2019.

Term Amount Rate APR*
Owner Occupied
48-240 months Up to $100,000 3.99% - 9.19% 3.99% - 9.19%
Combined loan-to-value must be 80% or less.
Minimum loan amount: 48, 60, 72, 84, 120 months - $10,000; 180 months - $15,000; 240 months - $25,000.
Non-owner occupied - Contact us for details.

*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.