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Loans

Home Equity Loans

Home Equity Products

Home improvements, debt consolidation, college tuition, or a big purchase, are just a few of the reasons you may consider taking an equity loan against your home. If you're considering a loan of this type, let HCCU help. Our Home Equity Loan and Home Equity Line of Credit have flexible repayment terms to help you put your home's equity to work for you with a monthly payment you can afford.

Home Equity Loan1

  • Affordable fixed rates and fixed payments
  • Financing up to 90% CLTV; up to a maximum of $250,000
  • Terms up to 240 months (20 years)2
  • No application fees or closing costs
  • Fast processing times
  • Interest paid may be tax deductible (consult your tax advisor)
  • No prepayment penalty

Home Equity Line of Credit (HELOC)1

  • Introductory Rate for 6 months
  • Low variable rates
  • Financing up to 80% CLTV; up to a maximum of $250,000
  • Fast processing times
  • Interest paid may be tax deductible (consult your tax advisor)

To learn more about our how to put your home's equity to work for you, visit one of our branch locations or contact our Call Center at 916.364.1700 or 800.233.6328. To apply, download our Home Equity loan application or our Home Equity Line of Credit application. Important Home Equity Line of Credit Disclosures, What you should know about Home equity Lines of Credit and Home Equity Line of Credit Early Federal Disclosure, please make or otherwise retain a copy for your records.

1Subject to credit approval and property valuation. APR, terms & conditions subject to change. Property insurance required; flood insurance may be required. Limited to owner-occupied one-to-four family unit properties located in California. Excludes manufactured homes, mobile homes, and commercial properties. Other restrictions on property may apply.

2$40,000 at 5.45% APR requires 179 monthly payments of $325.77 with a final payment of $326.51.

 

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