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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 3.99% APR**
  • Borrow up to 75% of your available equity
  • Loan amounts $20,000 up to $300,000
  • 10 year term
  • Fully amortized
  • Fixed rate
  • Other rates and terms available
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 rate and includes a .25% discount with an automatic monthly payment from your PFCU checking account. 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.  Payment example: Based on a $20,000 loan for a 10 year term at 3.99% the payment is $202.45.  Home must be a 1-4 unit primary residence located in California. 

Payment example:  Monthly payment on a $20,000 loan at 5.75% for 180 months is $166.88.  This rate is current as of October 1, 2018.  Property must be located in California. Other restrictions may apply.

NMLS # 493794 NMLS Consumer Access

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