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HELOCs & Home Equity Loans

How would you transform your home with a low-rate HELOC?

Using the value of your home couldn't be easier or more affordable. With no annual or maintenance fees, a HELOC can be an easy, affordable way to finance home improvement projects. So go ahead, dream big! Plus, the interest may even be tax deductible.¹

SDCCU offers fixed rate home equity loans, home equity lines of credit (HELOC) and interest-only HELOCs.

Automatic Payments

From an eligible SDCCU account available

FREE eStatements

Get monthly eStatements delivered to your email

FREE Online Banking

FREE Internet Branch online banking

Tax Deductions

Consult your tax advisor for potential tax deductions

Home Equity Line of Credit

As low as
2.99% APR*
Introductory fixed rate for the first 12 months

5.75% APR
Current variable rate

Make the most out of your home today!

a man and wife prepare meal in kitchen removated with heloc from sdccu

Home Equity Line of Credit (HELOC)

A HELOC is a variable rate line of credit borrowed against your home's equity. Our home equity line of credit is also available as an interest-only HELOC.² Accessing your home equity line account is easy with a San Diego County Credit Union Visa® platinum credit card or checks.
 

What You Should Know About Home Equity Lines of Credit
Adjustable Rate Equity Line of Credit Disclosure Apply Online Visit a Branch
a man and wife prepare meal in kitchen removated with heloc from sdccu
modern kitchen with white cabinets renovated with home equity loan from sdccu

Home Equity Loan

A fixed rate home equity loan borrowed against your home's equity. SDCCU home equity loans are available in 10 or 15 year terms.³
  • Rate is fixed for the life of the loan
  • Available in 10 or 15 year terms
  • Maximum Home Equity Loan is 70% Combined-Loan-To-Value (CLTV) with a maximum loan of $250,000 or 80% CLTV with a maximum loan of $100,000
  • Minimum loan amount is $10,000
  • One-time distribution of loan amount
  • Minimum payment is determined by loan amount, rate and term
Apply Online Visit a Branch

¹Check with your tax advisor for more information.
²Interest-only payment option available up to 70% Combined-Loan-To-Value (CLTV). Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment at the end of the term.
³180 monthly payments of $8.57 per $1,000 borrowed at 6.249% Fixed Annual Percentage Rates (APR) at 80% CLTV based on APRs offered 03/30/18. Rates are subject to change. See rate sheet for details.

*APR=Annual Percentage Rate. 2.99% Fixed APR is the introductory rate for the first 12 months for home equity lines up to $250,000 at 70% combined-loan-to-value (CLTV). After the introductory period, the rate will adjust to the variable rate then offered by SDCCU. Internal refinances are eligible to receive the introductory rate with at least a $25,000 increase to existing credit line. APRs accurate as of 3/30/18 and subject to change. The APR cannot increase more than 12.00% over the non-introductory start rate (current maximum: 17.75% on 70% CLTV product). The APR will not decrease below 4.00% after the introductory period. Minimum credit line of $10,000 required. See rate sheet for details. Subject to approval.