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Access Your Home's Equity

Looking to build that dream kitchen, switch to drought-resistant landscaping, add an extra room or just want an available line of credit for those unexpected expenses? A home equity loan or home equity line of credit (HELOC) from PFCU gives you the spending power you need often at a lower interest rate than personal loans or credit cards. Plus the interest you pay may be tax deductible.*

Home Equity Loans
  • Rates as low as 4.99% APR**
  • Borrow up to 75% of your available equity
  • Loan amounts $20,000 up to $300,000
  • Terms up to 20 years
  • Fully amortized
  • Fixed rate
  • Other rates and terms available
Payment example: Monthly payment on a $20,000 loan for 10 years is $212.10 based on the rate of 4.99%.

Home Equity Lines of Credit (HELOC)

A practical way to manage cash flow, consolidate higher rate debt, or finance home improvements as you go. 

For more information or to apply for a home equity loan or home equity line of credit contact us at (626) 799-0882 or (800) 445-PFCU.

* Consult with your tax advisor to determine if your interest payments are tax deductible.

** APR = Annual Percentage Rate. Rate quoted is our lowest available rate. Rate may vary depending on individual credit history. Borrow up to 75% of your property's loan to value (LTV) for 10 years. A $450 loan fee applies for loans under $100,000, a $650 loan fee applies for loans over $100,000. The fees cover the cost of title and appraisal, no other fees are charged. Other terms available subject to credit approval. Property must be located in California. Other restrictions may apply.

The HELOC Payment example:  Monthly payment on a $20,000 loan at 5.28% for 180 months is $161.51. This rate is current as of January 2, 2020.

NMLS # 493794 NMLS Consumer Access

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