Home Equity Rates

Interest rates for Home Equity account products.

All Program Rates Are Subject To Change Without Notice

For our first Mortgage Rates, click here.

Home Equity Line of Credit (Variable Rate)

Line of Credit

APR*: 4.500%
Amount: $20,000 to $250,000
Draw Period: 10 year

Second Home +0.25 to rate/margin

* APR is Annual Percentage Rate and is based on a loan amount of $150,000. All property must be located within the State of California. Real Estate rates and terms are subject to change daily. All loans are subject to credit approval. Not all members will qualify for maximum loan amount or introductory rate. Payment is 1% of balance.
Rate Cap of 12%
Floor rate of 3.99%
Quarterly rate change
Payment - 1% of Balance
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.
$50.00 Annual Fee After 1st. year
Annual Fee waived for Platinum members
Annual Fee $25.00 for Premier members

 

Home Equity (Fixed Rate)

20 Year

APR*: 6.125%
Amount: $20,000 to $250,000
Payment**: 361.83

15 Year

APR*: 5.625%
Amount: $20,000 to $250,000
Payment**: 411.87

**Example payment for 15-year and 20-year Home Equity Loan based on a  $50,000 loan at the listed APR.

Second Home +0.25 to rate

* APR is Annual Percentage Rate and is based on a loan amount of $50,000. All property must be located within the State of California. Real Estate rates and terms are subject to change daily. All loans are subject to approval. Not all members will qualify.
For 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.