Checking Accounts
Savings Accounts
Online Banking
Mobile Banking
Certificate Accounts
IRA & Retirement Accounts
Money Market Accounts
All Banking Products & Services
Home Loan Mortgages
Home Equity Loans & Lines
Auto Loans
Personal Loans
All Loans Products & Services
Visa Credit Cards
All Credit Card Products & Services
SDCCU Investment Services Overview
Financial Advisors
Investment Services Account Access
Estate Planning
Guided Wealth Portfolios
Events
Community Outreach
Promotions
Why Bank With SDCCU?
HELOC & Home Equity Rates
| Effective June 27, 2026 and subject to change. View a printable PDF. | Apply Online |
SDCCU offers fixed rate home equity loans and variable rate home equity lines of credit (HELOC). Our Home Equity Lines & Equity Loans feature:
Equity Lines
|
|
Owner Occupied Property Types Limited To:
- Single Family Residence, primary and second homes
- Townhouse
- 2 Units
- Condominiums
Property must be located in California.
Condos must be approved for conventional Fannie Mae, FHA or VA financing.
Call us or visit us today to find out what options are available to you!
Home Equity Line
| Maximum High Combined Loan-To-Value (HCLTV) | Loan Amount | Variable Rate (as low as) | Prime | Margin (as low as) | Annual Percentage Rate (APR)¹ |
| Up to 50% HCLTV | Up to $500,000 | 8.250% | 6.750% | 1.500% | 8.250% |
| Up to 60% HCLTV | Up to $300,000 | 8.250% | 6.750% | 1.500% | 8.250% |
| Up to 70% HCLTV | Up to $100,000 | 8.750% | 6.750% | 2.000% | 8.750% |
The APR will not decrease below 4.00%. The APR cannot exceed 18.00%. Other rates are available and your APR may vary based upon the collateral, amount financed and credit history. Minimum credit line of $25,000 required. ¹The APR may adjust monthly.
Home Equity Loans
| Maximum Combined Loan-To-Value | Loan Amount | Term | Fixed Rate | Annual Percentage Rate² | Estimated Payment Per $1,000 |
| Up to 60% CLTV | Up to $250,000 | 10 Years | 6.875% | 6.874% | $11.55 |
| Up to 70% CLTV | Up to $100,000 | 10 Years | 7.125% | 7.124% | $11.68 |
| Up to 60% CLTV | Up to $250,000 | 15 Years | 7.125% | 7.124% | $9.06 |
| Up to 70% CLTV | Up to $100,000 | 15 Years | 7.375% | 7.374% | $9.20 |
²Quoted APR includes estimated 30-days of prepaid interest.
Additional Requirements
ADDITIONAL REQUIREMENTS AND RESTRICTIONS
| Requirements: • Income verification • Satisfactory appraisal • Hazard Insurance required • Condo Survey (if applicable) • Other requirements may apply | 1st Mortgage Restrictions (unable to lend behind): • Interest-only loans • Option ARMs or negatively amortized loans • Balloon loans |
The interest on your home equity financing may be tax deductible. Consult your tax advisor regarding deductibility of interest.
All loans are subject to approval.
Learn More About SDCCU Loans
Check out more loans and financial resources.
Home Equity Loans & Lines
Using the value of your home couldn't be easier or more affordable.
Explore Home Equity Loans & LinesSDCCU has over 30,000 surcharge-free ATMs and 39 branch locations.
Open an account online today!