How would you transform your home with a low-rate home equity line of credit (HELOC) or a fixed rate home equity loan? With San Diego County Credit Union, using the value of your home couldn't be easier or more affordable. Traditionally, the longer you own your home, the more equity you build. A home equity loan is a loan you take out that is based on the equity you have already built. If you know the exact amount you need and would rather have a fixed rate over a variable rate, then a credit union home equity loan can be a great option. Additionally, a HELOC can be an easy, affordable way to finance home improvement projects and other major purchases as well. So go ahead, dream big! Plus, the interest may even be tax deductible.¹
SDCCU offers fixed rate home equity loans and variable rate home equity lines of credit (HELOC) to members living in San Diego and throughout California.
From an eligible SDCCU account available
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Consult your tax advisor for potential tax deductions
9.25% APR*
Current variable rate
View Rates for more information
Let our financial experts help you decide on whether a home equity loan or a home equity line of credit (HELOC) is right for you and your financial plans. Discover more about the two home equity options below!
A HELOC is a variable rate line of credit borrowed against your home's equity. A HELOC can offer flexibility but can also offer variable interest rates and terms which better suit financial plans that aren't relying on a consistent payment schedule. Accessing your home equity line account is easy with a San Diego County Credit Union Visa® platinum credit card or checks.
¹Check with your tax advisor for more information.
*APR=Annual Percentage Rate. APRs accurate as of 04/17/2024 and subject to change. Minimum credit line of $25,000 required. See rate sheet for details. Subject to approval. Other terms and conditions may apply.
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