Choose the Loan Option to Fit Your Lifestyle and Needs


Home Equity Line of Credit Loans

A home equity line of credit (HELOC) provides easy, ongoing access to cash for remodeling or landscaping your home, or consolidating debt - whatever you need. With a revolving line of credit, you'll pay only for the amount of the line of credit used.

  • Variable rate that fluctuates with the market making no refinancing necessary
  • Easy access to funds via online transfer or convenience checks as needed for up to 10 years (draw period), then repay over 15 years

Home Equity Loans

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

  • Terms up to 20 years
  • Stable fixed rate and fixed monthly payments

Both offer:

  • No application or origination fees
  • No-fee and no-cost options1
  • Up to 80% of your home's value2
  • No negative amortization
  • Up to 70% of your second home or vacation property’s value2

View registered Mortgage Loan Originators

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. Membership in Orange County’s Credit Union is a condition of loan approval. Membership is open to everyone living or working in Orange, Los Angeles, Riverside, and San Bernardino counties. Membership fee is $5.00. Limited to funding California properties only.

1Non-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 have to pay third-party closing costs. 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.

Certain restrictions apply. This option is only available for owner-occupied property.

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