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Home Equity Loans and Lines of Credit


Let HCCU help you make the most of your home!

When it comes to getting the most value and enjoyment out of your home, HCCU is your trusted resource for home equity questions, answers and solutions!

Consider the many possibilities! Remodeling and home improvements can increase your home's value and your happiness. Debt consolidation can save you money and offer monthly budget relief. Unlocking equity for college tuition or a big purchase can help you and your family realize your dreams.

An HCCU Home Equity Loan and Home Equity Line of Credit with flexible repayment terms offer perfect ways to put your home's equity to work for you with a monthly payment you can afford. Processing is fast, and your interest may even be tax deductible (consult your tax advisor). Let's discuss which option is best for you:

Home Equity Loan1

  • Save with NO APPLICATION FEES or closing costs
  • Secure affordable fixed rates and fixed payments
  • Finance up to 90% CLTV; up to a maximum of $100,000
  • Choose your terms up to 240 months (20 years)2
  • No prepayment penalty

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Home Equity Line of Credit (HELOC)1

  • Take advantage of our member-introductory rate for 6 months
  • Enjoy low variable rates for the life of your line
  • Finance up to 80% CLTV; up to a maximum of $100,000

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Wondering which is better for you? Your friendly and knowledgeable HCCU Member Home Finance Specialist can answer your questions at (916) 364-1700.


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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.

* Loan approvals are subject to credit approval and program guidelines. Interest rates and program terms are subject to change without notice.


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