Home Equity Loans
and Lines of Credit

MAKE THE EQUITY IN YOUR HOME WORK FOR YOU

With more competitive rates than most financial institutions, our home equity loan or line of credit can help you remodel a kitchen, pay off high-rate credit cards, finance your child's education, even take a vacation, and deduct the interest from your taxes.*

New! Tap the equity on your second home or vacation property. Call (800) 506-5070 to learn more or apply now.

A home equity loan is a "lump sum" of money that can be used for consolidating debt, financing a college education, planning for home improvements, making a large purchase, or whatever you need.

Home Equity Loan features include:
  • Competitive, fixed rates and terms up to 20 years
  • Borrow up to $250,000
  • Loans can be up to 80% of your home's value**
  • Second home or vacation property loans can be up to 70% of your home's value**
  • Interest may be tax-deductible*
  • No-fee and no-cost options available ±
  • Online account management - manage your home equity loan anytime, day or night to make or schedule payments, view account activity, and request eNotices

SIMPLIFY YOUR HOME LOAN EXPERIENCE

We know a day makes a difference. That's why you can rely on our expert guidance, personalized options, and fast closings to deliver the home loan option you need. We'll do all the application paperwork on your behalf. It's your Credit Union's goal to simplify your home loan experience. Call (800) 506-5070 to speak with one of our local Mortgage Loan Consultants. Don't forget to ask about our complimentary financial analysis service.

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 applicants will qualify.

*For information regarding specific tax qualifications, please consult a tax advisor.
**Certain restrictions apply. This option is only available for owner-occupied California property.
± Non-recurring lender closing-costs 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.

A home equity line of credit (HELOC) provides easy, ongoing access to cash for remodeling or landscaping your home, consolidating debt, or paying tuition - whatever you need.

Home Equity Line of Credit features include:
  • Lower rates that fluctuate with the market (variable rate program). No refinancing necessary.
  • Easy access to funds as needed for up to 10 years(draw period). Access funds any time by making an online transfer or via convenient Home Equity Line of Credit checks. At the end of your draw period, repay your loan over 15 years.
  • With a revolving line of credit, pay only on the amount used
  • Borrow up to $250,000
  • Lines of credit can be up to 80% of your home's value**
  • Second homes or vacation property lines of credit can be up to 70% of your home's value**
  • Deduct the interest from your taxes*
  • No-fees or prepayment penalties, and no-cost options available ±
  • Online account management - Manage your home equity line anytime, day or night, to make and schedule payments, view account activity, and request eNotices

SIMPLIFY YOUR HOME LOAN EXPERIENCE

We know a day makes a difference. That's why you can rely on our expert guidance, personalized options, and fast closings to deliver the home loan option you need. We'll do all the application paperwork on your behalf. It's your Credit Union's goal to simplify your home loan experience. Call (800) 506-5070 to speak with one of our local Mortgage Loan Consultants. Don't forget to ask about our complimentary financial analysis service.

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 applicants will qualify.

*For information regarding specific tax qualifications, please consult a tax advisor.
**Certain restrictions apply. This option is only available for owner-occupied California property.
±Non-recurring lender closing-costs 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 $25.00 for Premier Members.