Home Equity Loans and HELOCs

Put your home to work for you! Use the equity you’ve been building in your home to finance home improvements, buy a vehicle, consolidate your debt, pay for tuition and more - it's all within reach! 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.

²180 monthly payments of $8.71 per $1,000 borrowed at 6.683% Fixed Annual Percentage Rates (APR) at 80% CLTV based on APRs offered 4/24/14. Rates are subject to change.
³Interest-only payment option available up to 70% Combined-Loan-To-Value.

*APR=Annual Percentage Rate. 2.99% fixed APR is the introductory rate for the first 12 months for home equity lines up to $100,000 with a 70% combined-loan-to-value (CLTV). After the introductory period, the rate will adjust to the current 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 10/2/14 and subject to change. The interest rate may not increase more than 12.00% over the non-introductory start rate (current maximum: 16.25% on 70% CLTV product). The minimum rate may not decrease below 4.00% after any introductory period has elapsed. Minimum credit line of $10,000 required. Subject to approval.
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SDCCU Reviews

"I have been a SDCCU member for many years and am amazed how friendly and fast service is. I have had nothing but excellent service at SDCCU. Every time I visit a branch I am greeted with a hello and a smile." Andrea Z., Lake ElsinoreMember since 2007

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 37 branch locations in San Diego, Riverside and Orange counties. Open an account today.

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