Ideal if you are planning large fixed expenses - buying a new car or remodeling your home - and you know the exact amount you will need. You receive a one-time, lump-sum distribution with up to 20 years to repay the loan.¹ The payment amount stays the same throughout the term of the loan, because the rate is fixed.

	Rate Fixed for the life of the loan Term Up to 20-year term² Maximum Loan Amount • Loans up to $250,000 for 70% or less of your home’s appraised value less encumbrances • Loans up to $100,000 for 80% or less of your home’s appraised value less encumbrances Minimum Loan Amount $10,000 Distribution Of Funds One-time distribution of loan amount Additional Features • Free Internet Branch online account access • Unlimited TalkTone Teller® calls • Free eStatements • Potential tax deductions - check with your    tax advisor Minimum Payment Payment is determined by loan amount, rate and term Payment Options Automatic payments from an eligible SDCCU® account available

Contact a Real Estate Specialist today to apply or get more information!

¹Maximum Home Equity Loan is 70% Combined-Loan-To-Value (CLTV) with a maximum loan of $250,000 or 80% CLTV with a maximum loan of $100,000.
²240 monthly payments of $7.75 per $1,000 borrowed at 7.115% Fixed Annual Percentage Rates (APR) at 80% CLTV based on APRs offered 04/01/09. Rates are subject to change.