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 July 16, 2019.

Term Amount Rate APR*
Owner Occupied
48-240 months Up to $100,000 4.89% - 9.19% 4.89% - 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. 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. Loans in excess of 80% combined loan to value (LTV) are not available.