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All SDCCU branches and Call Center will be closed on Monday, May 27, 2024 in observance of Memorial Day. Our 30,000 ATMs and mobile and online banking are available for your convenience.
All SDCCU branches and Call Center will be closed on Monday, May 27, 2024 in observance of Memorial Day. Our 30,000 ATMs and mobile and online banking are available for your convenience.
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HELOCs & Home Equity Loans

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HELOC & Fixed Rate Home Equity Loans

How would you transform your home with a low-rate home equity line of credit (HELOC) or a fixed rate home equity loan? With San Diego County Credit Union, using the value of your home couldn't be easier or more affordable. Traditionally, the longer you own your home, the more equity you build. A home equity loan is a loan you take out that is based on the equity you have already built. If you know the exact amount you need and would rather have a fixed rate over a variable rate, then a credit union home equity loan can be a great option. Additionally, a HELOC can be an easy, affordable way to finance home improvement projects and other major purchases as well. So go ahead, dream big! Plus, the interest may even be tax deductible.¹

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. 


Automatic Payments

Automatic Payments

From an eligible SDCCU account available

FREE eStatements

FREE eStatements

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FREE Online Banking

FREE Online Banking

FREE Internet Branch online banking

Tax Deductions

Tax Deductions

Consult your tax advisor for potential tax deductions

Home Equity Line of Credit

10.00% APR*
Current variable rate
View Rates for more information

Make the most out of your home's equity today!

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)

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.
 

What You Should Know About Home Equity Lines of Credit
Adjustable Rate Equity Line of Credit Disclosure
  Apply Online View Rates
Home Equity Line of Credit (HELOC)
Home Equity Loan

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 are available in 10 or 15-year terms.
  • Rate is fixed for the life of the loan
  • 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
Apply Online View Rates

¹Check with your tax advisor for more information. 

*APR=Annual Percentage Rate. APRs accurate as of 07/27/2023 and subject to change. Minimum credit line of $25,000 required. See rate sheet for details. Subject to approval. Other terms and conditions may apply.

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