HELOC & Home Equity Rates

Effective December 6, 2023 and subject to change.
View a printable PDF.

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

Advances available during the first 10 years

Equity Loans

Option of 10- or 15-year term

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	9.500%	8.500%	1.000%	9.500%
Up to 60% HCLTV	Up to $300,000	9.500%	8.500%	1.000%	9.500%
Up to 70% HCLTV	Up to $100,000	10.000%	8.500%	1.500%	10.000%

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	7.625%	7.624%	$11.94
Up to 70% CLTV	Up to $100,000	10 Years	7.875%	7.874%	$12.07
Up to 60% CLTV	Up to $250,000	15 Years	7.875%	7.874%	$9.48
Up to 70% CLTV	Up to $100,000	15 Years	8.125%	8.124%	$9.63

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.

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Home Equity Loans & Lines

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HELOC & Home Equity Rates

Equity Lines

Equity Loans

Owner Occupied Property Types Limited To:

Home Equity Line

Home Equity Loans

Additional Requirements

Learn More About SDCCU Loans

Home Equity Loans & Lines

Home Loans

Auto Loans

Personal Loans

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