HELOCs & Home Equity Loans

SDCCU has over 30,000 surcharge-free ATMs and 43 branch locations.

How would you transform your home with a low-rate HELOC?

Using the value of your home couldn't be easier or more affordable. With no annual or maintenance fees, a HELOC can be an easy, affordable way to finance home improvement projects. So go ahead, dream big! Plus, the interest may even be tax deductible.¹

SDCCU offers fixed rate home equity loans, home equity lines of credit (HELOC) and interest-only HELOCs.

Automatic Payments

From an eligible SDCCU account available

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FREE Online Banking

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Tax Deductions

Consult your tax advisor for potential tax deductions

Home Equity Line of Credit

As low as
2.99% APR*
Introductory fixed rate for the first 12 months

5.75% APR
Current variable rate

Make the most out of your home today!

a man and wife prepare meal in kitchen removated with heloc from sdccu

Home Equity Line of Credit (HELOC)

A HELOC is a variable rate line of credit borrowed against your home's equity. Our home equity line of credit is also available as an interest-only HELOC.² 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 Visit a Branch

Home Equity Loan

A fixed rate home equity loan borrowed against your home's equity. SDCCU home equity loans are available in 10 or 15 year terms.³

Rate is fixed for the life of the loan
Available in 10 or 15 year terms
Maximum 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
Minimum loan amount is $10,000
One-time distribution of loan amount
Minimum payment is determined by loan amount, rate and term

Apply Online Visit a Branch

¹Check with your tax advisor for more information.
²Interest-only payment option available up to 70% Combined-Loan-To-Value (CLTV). Your minimum payments will not repay the principal that is outstanding on your line. You will be required to pay the entire outstanding balance in a single payment at the end of the term.
³180 monthly payments of $8.57 per $1,000 borrowed at 6.249% Fixed Annual Percentage Rates (APR) at 80% CLTV based on APRs offered 03/30/18. Rates are subject to change. See rate sheet for details.

See our current rates

*APR=Annual Percentage Rate. 2.99% Fixed APR is the introductory rate for the first 12 months for home equity lines up to $250,000 at 70% combined-loan-to-value (CLTV). After the introductory period, the rate will adjust to the variable rate then offered by SDCCU. Internal refinances are eligible to receive the introductory rate with at least a $25,000 increase to existing credit line. APRs accurate as of 3/30/18 and subject to change. The APR cannot increase more than 12.00% over the non-introductory start rate (current maximum: 17.75% on 70% CLTV product). The APR will not decrease below 4.00% after the introductory period. Minimum credit line of $10,000 required. See rate sheet for details. Subject to approval.

SDCCU has over 30,000 surcharge-free ATMs and 43 branch locations.

Open an account online today!