HELOCs and Home Equity Loans

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.

  • FREE Internet Branch online banking
  • FREE eStatements
  • Potential tax deductions - consult your tax advisor
  • Automatic payments from an eligible SDCCU account available

¹Check with your tax advisor for more information.
²Interest-only payment option available up to 70% Combined-Loan-To-Value (CLTV).
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 03/22/17. Rates are subject to change.

Subject to approval. *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 11/1/17 and subject to change. The APR cannot increase more than 12.00% over the non-introductory start rate (current maximum: 17.25% on 70% CLTV product). The APR will not decrease below 4.00% after the introductory period. Minimum credit line of $10,000 required. HELOCs up to 80% CLTV are also available. See rate sheet for details. SDCCU will pay your closing costs including but not limited to: lender’s title insurance, title services, appraisal, tax service, credit report, flood certification and recording fees. Paid closing costs do not include pre-paid interest, homeowners insurance or owner’s title insurance. Borrower may select escrow and/or title company. Other restrictions may apply. Reimbursement of closing costs: if the loan is paid off within 36 months of origination, the full amount of closing costs will be added to the loan payoff amount.

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"I love banking with SDCCU. The level of customer service is excellent. No matter what branch I've stepped into, I'm welcomed and greeted and I leave with a sense that we are important to them. Free checking and great service! " Joan S., San DiegoMember since 1999

San Diego County Credit Union® was founded on the principle that people come first and profits second. This forward-thinking approach in the banking industry has propelled SDCCU® to become San Diego’s BEST Credit Union and largest locally-owned financial institution. SDCCU provides breakthrough banking products that meet the demands of today’s lifestyle and delivers banking services that save customers money. SDCCU serves customers nationwide with 30,000 surcharge-FREE CO-OP ATMs and 43 branch locations in San Diego, Riverside and Orange counties. Open an account today.

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