Rates are on the rise and while other home loan lenders are increasing the pricing of Home Equity Lines of Credit (HELOCs), we’ve lowered our competitively low rates to provide you with more opportunity to access the powerful, flexible solutions right under your roof.

Available for any need, now’s the time to use it for spring home improvement projects, debt consolidation, education expenses, travel plans, large purchases, and more.

With a revolving line of credit, you’ll pay only on the amount you use. It’s a smart way to maximize flexibility with easy, ongoing access for anything you need, even the unexpected.


  • Variable rate that fluctuates with the market making no refinancing necessary
  • Easy access to funds via online transfer or convenience checks for up to 10 years (draw period), then repay over 15 years
  • No-fee, no-prepayment-penalty, and no-cost options available2
  • Lines of credit can be up to 80% of your home’s value3
  • Second home or vacation property lines of credit can be up to 70% of your home’s value3

Opportunity is knocking at your door.
Don’t wait to get the buying power you need. Apply today to tap into your home’s hidden potential while rates are low.

Want to learn more about the benefits of a HELOC? Our Mortgage Loan Consultants are here to support you every step of the way. From helping evaluate options available to guiding you to an easy closing, a quick call is all you need to get started.

¹Discounted rate for a limited time only. Subject to change without notice.

²Non-recurring lender closing-cost fees are waived, as long as loan is kept open for at least 24 months. Loans that pay off before 24 months will be subject to fees. For Home Equity Lines of Credit, a $50 annual fee applies after the first year. The annual fee is waived for Platinum Members and is $25 for Premier Members.

³Certain restrictions apply.

This is not an offer for an extension of credit or a commitment to lend. All applications are subject to borrower and property underwriting approval. Not all applications will qualify.

Membership is required. Membership in Orange County’s Credit Union is available to any who lives or works in Orange or Riverside Counties or the neighboring communities of Long Beach, Lakewood, Cerritos, or Signal Hill. Membership fee is $5.