Today’s Home Equity Rates

  HELOC 20 Yr Fixed 15 Yr Fixed
Rate 8.375% 7.875% 7.375%
APR 8.375% 7.875% 7.375%
Points 0.000 0.000 0.000
Payment* Payment* $994.41 $1,103.91
  Rate APR Points Payment*
HELOC 8.375% 8.375% 0.000 Payment*
20 Yr Fixed 7.875% 7.875% 0.000 $994.41
15 Yr Fixed 7.375% 7.375% 0.000 $1,103.91
Effective July 12, 2024 09:15 AM Pacific Time (PT)

What Type of Home Equity Loan is Right for You?

Did you know? You can get up to 100% loan to value on your loan. Available for your home, vacation home, and rental property.

How It Works

Find Your Loan

Need help? We'll create a personalized Total Cost Analysis just for you. 

Get A Fast Track Decision

Apply online and get an instant decision, or apply over the phone.

Check Your Status

Check on your loan, securely e-sign, and receive documents online.

Get Your Funds

We work hard to close our loans faster than the national average.**

Simplifying the Home Financing Experience

We know what goes into the loan process–there's a lot of paperwork and a lot of time. That's why having a trusted partner who is local, experienced, and accessible will provide the guidance and peace of mind you need to obtain the home loan that meets your needs. Our Mortgage Loan Consultants will simplify the process and work with you, from start to finish. That's our promise.


  • HELOC or Home Equity Loan? (article)
  • 8 Improvements that Increase Your Home's Value (article)
  • 4 Things to Look for in a Mortgage Lender (article)
  • Protect your Investment with Homeowners Insurance (free quote)

Calculators & Tools

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. Limited to funding California properties only.

*APR = Annual Percentage Rate

**In providing the days-to-close comparison, Orange County’s Credit Union is using information provided by an independent third-party source. ICE Mortgage Technology® Origination Insight Report provides monthly data and insights for a robust sampling of closed loan applications that flow through ICE Mortgage Technology Encompass® mortgage loan origination system.

Supported Browsers: While most modern browsers will allow you to use the entire Home Loans experience without any problems, we suggest the latest version of Microsoft® Edge, Firefox®, Chrome®, and Safari®.

Membership in Orange County's Credit Union is available to anyone who lives or works in Orange, Los Angeles, Riverside, or San Bernardino Counties. Don't live or work in our area? You may also qualify if your immediate family member banks with us. Ask us for details. Membership fee is $5.

Immediate Family Includes:
Adoptive Relationships

; ;