It’s time to unlock your home’s full potential.

While home equity rates are on the rise with other lenders, we’ve lowered our competitively low rates1 on our Home Equity Loans and Lines of Credit (HELOCs) to create more ways for you to get more things done.

15-Year Fixed-Rate Home Equity Loans

0.375% Lower


Variable-Rate HELOCs

0.625% Lower

Do more while saving more.*

*Savings may vary based on individual circumstances, including terms of the loan.

Home Equity Loan Home Equity Line of Credit (HELOC)
Receive a “lump sum” Revolving line of credit, paying only on the amount you use up to your credit limit
Stable fixed rate and fixed monthly payments Variable rate that fluctuates with the market
Terms up to 20 years Access funds via online transfer or check for up to 10 years (draw period), then repay over 15 years
  • No application or origination fees
  • Up to 80% of your home’s value2
  • Up to 70% of your second home or vacation property’s value2
  • No-fee and no-cost options available3

Opportunity is knocking at your door.

Don’t wait to get the financing power you need. Apply today to tap into your home’s hidden potential while rates are low.

(800) 506-5070




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

2Certain restrictions apply.

3For Home Equity: No-closing-costs option; borrower pays no closing costs (except for recurring costs such as property taxes and insurance premiums). If your loan pays off within the first 24 months after closing, borrower must pay all third-party closing costs. For HELOC: Non-recurring closing costs are waived; as long as HELOC is kept open for at least 24 months. If closed before the end of 24 months, borrower must pay all third-party non-recurring closing costs. $50 annual fee applies after the first year. Annual fee is waived for Platinum Members and is $25 for Premier Members.

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.

Limited to funding California properties only. Contact a Mortgage Loan Consultant for full details of our HELOC and Home Equity Programs.

Membership is required to obtain a loan. Membership in Orange County’s Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, and San Bernardino Counties. Membership fee is $5.