Home Equity Rates

All Program Rates Are Subject To Change Without Notice

For our first Mortgage Rates, click here.

15 Year Home Equity (Fixed Rate)
$201,000 to $250,000
APR*: 5.000%
Loan To Value: Less or equal to 60%
$151,000 to $200,000
APR*: 5.000%
Loan To Value: Less or equal to 70%
$20,000 to $150,000
APR*: 5.000%
Loan To Value: Less or equal to 80%

Second Home +0.25 to rate

* 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 approval. Not all members will qualify.

20 Year Home Equity (Fixed Rate)
$201,000 to $250,000
APR*: 5.125%
Loan To Value: Less or equal to 60%
$151,000 to $200,000
APR*: 5.125%
Loan To Value: Less or equal to 70%
$20,000 to $150,000
APR*: 5.125%
Loan To Value: Less or equal to 80%

Second Home +0.25 to rate

* 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 approval. Not all members will qualify.

 

Home Equity Line of Credit (Variable Rate)
$20,000-$150,000
APR*: 4.750%
Loan To Value: Less or equal to 80%
Draw Period: 10 year
$151,000-$200,000
APR*: 4.750%
Loan To Value: Less or equal to 70%
Draw Period: 10 year
$201,000-$250,000
APR*: 4.750%
Loan To Value: Less or equal to 60%
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
$50.00 Annual Fee After 1st. year
Annual Fee waived for Platinum members
Annual Fee $25.00 for Premier members