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 20, 2018.

Combined Loan to Value Minimum Loan Maximum Loan Loan Fee Maximum Term Rate APR*
Owner Occupied
80% or Less $10,000 $100,000 None 120 Months 3.99% - 9.19%† 3.99% - 9.19%†
80% or Less $15,000 $100,000 None 180 Months 3.99% - 9.19%† 3.99% - 9.19%†
80% or Less $25,000 $100,000 None 240 Months 3.99% - 9.19%† 3.99% - 9.19%†
Non-Owner Occupied - Contact the credit union 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 $350 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.

†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.