Home Equity Lines of Credit (HELOC)

Home Equity Lines of Credit (HELOC)

Sacramento Credit Union's Home Equity Lines of Credit give you quick access to your funds when you need them.

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The equity in your home may help you finance major expenses or lower your monthly payments by consolidating debt. Plus, the interest you pay on your Sacramento Credit Union Home Equity Line of Credit may be tax deductible. (Consult your tax advisor about the deductibility of interest.)*

  • Improve Your home

  • Refinance an Existing Loan or Line of Credit**

  • Consolidate Debt

  • Finance Education

  • Purchase a Vehicle

  • And More


*Annual Percentage Rate (APR). 1.99% Introductory APR for a period of six monthly billing cycles for qualified applicants based on creditworthiness. After that the APR is variable based on the value of an index. It will be 4.0% to 15.0% based on your creditworthiness. 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. Approval is subject to underwriting guidelines, verifications, collateral valuation and loan to value. Rates, terms, and services subject to change without notice. Offer is valid for owner occupied properties only. See Sacramento Credit Union Representative for eligibility. For more information, visit www.sactocu.org or contact Sacramento Credit Union. Offer expires September 30, 2015.

**Offer does not apply to the refinance of existing Sacramento Credit Union Home Equity Lines of Credit.

† Member must obtain a Home Equity Line of Credit and have an initial draw of $5,000 or greater within three months of loan closing in order to be eligible for the $100 gift card offer. Member must notify the Credit Union after meeting these requirements. Gift card is eligible for use at all California Home Depot locations and the online store. Visit www.homedepot.com for additional information about gift card usage.