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HELOC & Home Equity Rates

and subject to change.
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SDCCU offers fixed rate home equity loans, home equity lines of credit (HELOC) and interest-only HELOCs. Our Home Equity Lines & Equity Loans feature:

Equity Lines

  • No closing costs*
  • Rate cap is 12.00% over the start rate¹
  • Advances available during the first 10 years

Equity Loans

  • No closing costs*
  • Option of 10- or 15-year term


Owner Occupied Property Types Limited To:

  • Single Family Residence, primary and second homes
  • Townhouse
  • 2-4 Units²
  • Manufactured Homes²
  • 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!

*SDCCU® will pay your closing costs including but not limited to: lender’s title insurance, title services, appraisal, tax service, credit report, flood certification and recording fees. Paid closing costs do not include pre-paid interest, homeowners insurance or owner’s title insurance. Borrower may select escrow and/or title company. Other restrictions may apply.

¹The APR cannot increase more than 12.00% over the non-introductory start rate (current maximum is 18.50% APR). ²Certain restrictions apply.

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