Turn your home’s equity into a smart financial solution. A Home Equity Loan allows you to borrow a lump sum of money using the equity you’ve built in your home—offering a reliable way to fund what matters most.

With the strength of your home behind you, you can take control of your finances with confidence.

Ready to put your equity to work?

Apply

Remember — We currently only serve the Stanislaus and Merced counties of California. See our eligibility page under membership for more info.

LOAN TYPE

TERMS

FED PRIME RATE*

Home Equity Loan
(Fixed Rate)

MIN: $10,000.00
MAX: $200,000.00


120 MONTHS (10YRS)
180 MONTHS (15 YRS)
240 MONTHS (20 YRS)


6.750%
6.750%
6.750%

*RATE BASED ON FED PRIME RATE and FICO SCORE TIER ( PRIME +/- ) FOR ADDITIONAL INFORMATION CONTACT OUR CREDIT UNIONS LOAN OFFICER

120-month term payment example: A 10-year loan at 7.50 fixed APR with zero down payment will have 120 monthly payments of $20.05 per each $1,000 borrowed.  All rates, terms and promotional offers are subject to change without notice.  Cannot be combined with any other offer.  Restrictions may apply, ask for complete details. *APR=Annual Percentage Rate.                                                                                                                                                                                                      

FAQ

What's the Difference Between a Home Equity Loan and a HELOC?

A HELOC Loan focuses on a revolving line of credit. A Home Equity Loan is a large “lump sum” loan.

No, there are no fees involved. However if you are late on payments we may incur late fees.

You use your home as collateral for the loan. If you cannot make payments on the loan then you risk late fees and in the worst case potentially foreclosure of your home.