HELOCs & Home Equity Loans

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

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We are accepting home loan equity applications.
Due to popularity, funding takes a minimum of 60 days.

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 with no annual or maintenance fees, 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

From an eligible SDCCU account available

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Tax Deductions

Consult your tax advisor for potential tax deductions

Home Equity Line of Credit

4.25% APR*
Current variable rate

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)

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 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.²

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

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¹Check with your tax advisor for more information.
²180 monthly payments of $8.30 per $1,000 borrowed at 5.749% Fixed Annual Percentage Rates (APR) at 70% CLTV based on APRs offered 06/08/2021. Rates are subject to change. See rate sheet for details.

See our current rates

*APR=Annual Percentage Rate. APRs accurate as of 5/7/2020 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.