Home Equity Lines of Credit (HELOC) & Home Equity Loans

California HELOC & Fixed Rate Home Equity Loans

Make the most out of your home’s value with a home equity loan or home equity line of credit through San Diego County Credit Union. A HELOC is similar to a credit card, allowing you to borrow from a revolving credit line and only pay interest on the funds you use. A home equity loan provides a single, upfront lump sum with fixed interest rates and predictable monthly payments. A HELOC can be an easy, affordable way to finance home improvement projects and other major purchases.

SDCCU offers fixed rate home equity loans and variable rate home equity lines of credit (HELOC) to members living in San Diego and throughout California. Make an appointment at any of our convenient branch locations.

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Home Equity Loans vs HELOC

Let our financial experts help you decide on whether a home equity loan or a home equity line of credit (HELOC) is right for you and your financial plans. Discover more about the two home equity options below!

Home Equity Line of Credit (HELOC)

A HELOC is a variable rate line of credit borrowed against your home's equity. A HELOC can offer flexibility but can also offer variable interest rates and terms which better suit financial plans that aren't relying on a consistent payment schedule. Accessing your home equity line account is easy with a San Diego County Credit Union Visa® platinum credit card or checks.

Our California HELOCs include:

APR as low as 8.25%¹
Variable rate based on the U.S. Prime Rate
Advances available during the first 10 years
Maximum loan amounts: Up to $100,000 loan amount with a maximum 70% High Combined Loan-to-Value (HCLTV), up to $300,000 loan amount with a maximum 60% HCLTV, or up to $500,000 loan amount up to 50% HCLTV
Minimum loan amount: $25,000
Access funds as needed during withdrawal period up to your credit limit

What You Should Know About Home Equity Lines of Credit
Adjustable Rate Equity Line of Credit Disclosure
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Home Equity Loan

A fixed rate home equity loan is borrowed against your home's equity. With a fixed rate home equity loan from SDCCU, you will be able to start paying your loan off in predictable monthly payments. SDCCU home equity loans for Californians are available in 10 or 15-year terms.

Our Home Equity Loans Include:

APR as low as 6.874%²
- Rate is fixed for the life of the loan
Term: Available in 10 or 15-year terms
Maximum Home Equity Loan is 60% Combined-Loan-To-Value (CLTV) with a maximum loan of $250,000 or 70% CLTV with a maximum loan of $100,000
Minimum loan amount is $25,000 One-time distribution of loan amount
Minimum payment is determined by loan amount, rate and term

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¹Check with your tax advisor for more information.

SEE OUR CURRENT RATES

¹APR=Annual Percentage Rate. APRs accurate as of 5/26/2026 and subject to change. The APR will not decrease below 4.00%. The APR cannot exceed 18.00%. Other rates are available and your APR may vary based on collateral, amount financed, and credit history. Minimum credit line of $25,000 required. See rate sheet for details. The APR may adjust monthly.

²Payment Examples: A typical loan at 6.874% Fixed Annual Percentage Rate (APR) for a 15-year term at 60% CLTV would have 180 monthly payments of $11.55 per $1,000 borrowed.

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