| Effective May 15, 2025 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
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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!
| 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 | 9.000% | 7.500% | 1.500% | 9.000% |
| Up to 60% HCLTV | Up to $300,000 | 9.000% | 7.500% | 1.500% | 9.000% |
| Up to 70% HCLTV | Up to $100,000 | 9.500% | 7.500% | 2.000% | 9.500% |
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.
| 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 | 7.875% | 7.874% | $12.07 |
| Up to 70% CLTV | Up to $100,000 | 10 Years | 8.125% | 8.124% | $12.20 |
| Up to 60% CLTV | Up to $250,000 | 15 Years | 8.125% | 8.124% | $9.63 |
| Up to 70% CLTV | Up to $100,000 | 15 Years | 8.375% | 8.374% | $9.77 |
²Quoted APR includes estimated 30-days of prepaid interest.
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.
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Using the value of your home couldn't be easier or more affordable.
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