Home Equity Financing

Smart Financing Choices to Upgrade Your Home
and Enhance Your Life.

Two great home equity financing options to choose from:

HELOCs at 3.99%APR and Home Equity Loans at 5.99%APR

 
 

Home Equity Loans

Rates as low as 5.99% APR1

 

Unlock the potential in your home and put it to work for you. This type of loan allows you to borrow a lump sum against the equity you’ve built in your property—perfect for major expenses like home renovations, debt consolidation, or college tuition. Click here to check rates.   
 

Borrow up to 80% of your home’s equity.

Fixed rates, flexible terms, and low monthly payments.

Interest may be tax-deductible3.

 
 

HELOCs

Rates as low as 3.99% APR2

 

Put your home’s equity to work with convenience and control. A Home Equity Line of Credit (HELOC) gives you flexible access to funds when you need them. Use it like a credit card—borrow what you need, when you need it, up to your approved limit. It’s ideal for ongoing expenses like home improvements, emergency costs, or even managing cash flow.  Click here to check rates.  
 

Access cash with a flexible credit line.

Pay interest only on the funds you borrow.

Interest may be tax-deductible3.

 
  

Need assistance on deciding which home equity financing option is right for you?

Fill out the form below and one of our skilled Lending Specialists will help you with the process. 

  
APR=Annual Percentage Rate. 5.99% APR, 3.99% APR, and other terms shown are accurate as of April 17, 2025.

1Home Equity Loan
The fixed Annual Percentage Rate of 5.99% is available up to 72-month term with Combined Loan-to-Value (CLTV) up to 80%. Approved APR and Maximum CLTV is based on loan amount and credit quality. Loan payment example: A $20,000 loan for 48 months at 5.99% APR would have monthly payments of $469.61.  Property insurance is required. Flood insurance may be required. Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan closed within the first 36 months. Consult your tax advisor. Limited-time offer.

2Home Equity Line of Credit (HELOC)
The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. HELOC Fixed Intro Rate as low as 3.99% APR valid for 6 months; after which it will change to the regular rate (currently as low as 8.25% to a maximum APR of 15.00%). “Regular” rate after intro rate is variable.
Rate Changes: The annual percentage rate can change on the first day of each month. There is no limit on the amount by which the annual percentage rate can change during any one-year period. The maximum APR that can apply is 15.00% or the maximum permitted by law, whichever is less. Please contact the credit union for your qualifying minimum rate and margin.
Borrower Fee Reimbursement: Up to $750 fee reimbursement paid by the borrower if equity loan or line paid off or closed within the first 36 months.
Property Insurance: You must carry insurance on the property that secures this plan. If the property is located in a Special Flood Hazard Area we will require you to obtain flood insurance if it is available.
All loans are subject to property valuation, owner-occupied properties limited to one-to-four units located in the state of California. Excludes manufactured and mobile homes. Other restrictions on property may apply. Loan secured by your home other than your first mortgage must be paid at time of account funding.

Rates, APR and terms and conditions subject to change without notice. Limited-time offer.