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.
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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 6.372% Fixed Annual Percentage Rates (APR) at 80% CLTV based on APRs offered 10/14/15. 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 10/14/15 and subject to change. The APR cannot increase more than 12.00% over the non-introductory start rate (current maximum: 16.25% on 70% CLTV product). The APR will not decrease below 4.00% after the introductory period. Minimum credit line of $10,000 required. An early closure reimbursement of $500 will be assessed if the loan is paid off and closed within the first thirty-six (36) months. The reimbursement will be used to offset expenses paid by SDCCU when the loan was opened. HELOCs up to 80% CLTV are also available. See rate sheet