Effective October 5, 2026
Home Equity Rates and Terms
Terms, rates and APRs are effective as of the date shown above and are subject to change. The lowest rates shown require a credit score of 730 or higher and a combined loan-to-value (CLTV) of 80% or less. Your actual rate or margin depends on your creditworthiness and CLTV, and may be higher than the lowest rate shown. All loans are subject to credit approval and membership eligibility. Questions? Call (909) 983-1959, option 2.
Variable-Rate Home Equity Line of Credit (HELOC)Introductory rate: 4.25% APR for the first 6 months| Program | Margin | Maximum Credit Limit | Maximum CLTV | Payment per $1,000 Borrowed | APR |
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| HELOC | -1.00% to 3.60% | $150,000 | 80% | $7.16 to $10.05 | 6.00% to 10.60% |
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Introductory rate. 4.25% APR for the first 6 months after account opening. After that, all HELOC balances accrue interest at the variable APR in effect at that time, currently as low as 6.00% APR. How the APR can change. The APR can change semiannually, based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first Tuesday of June and December of each year. An increase means higher payments. APR limits. The APR will never exceed 18.00%. The APR will never be lower than 3.25%. Draw period. 10 years. You can borrow against the line during this time. Repayment period. 10 years. You can no longer borrow, and payments are set to repay the balance in equal monthly installments of principal and interest. Fees. Loan fee: $0.00. Late payment: $25. Other fees to open the line (such as appraisal, title, flood determination and recording) are estimated at $243 to $800. Additional fees may apply subject to type and evaluation of property, ownership, and lien status.
APR = Annual Percentage Rate. The APR is variable and is based on the Prime Rate published in The Wall Street Journal (the index) plus a margin of -1.00% to 3.60%. As of September 15, 2026, the Prime Rate was 7.00%. The rate and payment may increase after account opening. The maximum credit limit is $150,000, up to 80% CLTV. CLTV = Combined Loan-to-Value. Estimated payment per $1,000 borrowed, at the lowest APR shown; payments do not include property taxes or insurance premiums, so your actual payment obligation will be greater.
Fixed-Rate Home Equity Loans| Program | Rate | Maximum Loan | Maximum CLTV | Payment per $1,000 Borrowed | APR |
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| 15-Year Fixed Home Equity Loan | 6.75% to 11.31% | $250,000 | 80% | $8.85 to $11.56 | 6.75% to 11.31% |
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| 20-Year Fixed Home Equity Loan | 7.26% to 12.01% | $250,000 | 80% | $7.91 to $11.02 | 7.26% to 12.01% |
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Rate type. The rate is fixed for the full term of the loan and will not increase. How your rate is set. Your rate depends on your creditworthiness, CLTV and term, and may be higher than the lowest rate shown. The lowest rates require a credit score of 730 or higher and a CLTV of 80% or less. Fees. Origination fee: $0. Other closing costs (such as appraisal, title, flood determination and recording) are estimated at $243 to $800. Additional fees may apply subject to type and evaluation of property, ownership, and lien status. Prepayment. There is no prepayment penalty. You can pay off the loan early at any time without penalty.
APR = Annual Percentage Rate. The maximum loan amount is $250,000, up to 80% CLTV. CLTV = Combined Loan-to-Value. Estimated payment per $1,000 borrowed, at the lowest rate shown, based on 180 monthly payments for the 15-year term and 240 for the 20-year term; payments do not include property taxes or insurance premiums, so your actual payment obligation will be greater.
Important Definitions and InformationHome equity loan: a closed-end loan secured by your home, repaid in fixed monthly payments over 15 or 20 years.
Home equity line of credit (HELOC): an open-end line of credit secured by your home that you borrow against as needed.
Index rate: the Prime Rate published in The Wall Street Journal. For HELOCs, the APR is the index plus your margin.
Margin: the percentage added to the index to set your variable APR. Your margin depends on your creditworthiness and CLTV.
HELOC draw and repayment periods: a 10-year draw period when you can borrow, followed by a 10-year repayment period with equal monthly payments of principal and interest.
HELOC lifetime maximum and minimum: the APR will never exceed 18.00% or fall below 3.25%.
Maximum combined loan-to-value (CLTV): the total principal balance of all mortgages on the property divided by the property value. The maximum is 80%.
Eligible property: an owner-occupied 1–4 family residence in California.
Property insurance: a policy is required. Flood insurance may also be required.
General DisclosuresAll loans are subject to credit approval and membership eligibility. Rates and terms are subject to change without notice. Property must be an owner-occupied 1–4 family residence in California. Property insurance is required; flood insurance may be required. Equal Housing Lender. Federally insured by NCUA.
Terms, rates and APRs are effective as of the date shown above and are subject to change. The lowest rates shown require a credit score of 730 or higher and a combined loan-to-value (CLTV) of 80% or less. Your actual rate or margin depends on your creditworthiness and CLTV, and may be higher than the lowest rate shown. All loans are subject to credit approval and membership eligibility. Questions? Call (909) 983-1959, option 2.
Variable-Rate Home Equity Line of Credit (HELOC) Introductory rate: 4.25% APR for the first 6 monthsProgramMarginMaximum Credit LimitMaximum CLTVPayment per $1,000 BorrowedAPR
HELOC-1.00% to 3.60%$150,00080%$7.16 to $10.056.00% to 10.60%
Introductory rate. 4.25% APR for the first 6 months after account opening. After that, all HELOC balances accrue interest at the variable APR in effect at that time, currently as low as 6.00% APR. How the APR can change. The APR can change semiannually, based on the highest Prime Rate published in the Money Rates section of The Wall Street Journal on the first Tuesday of June and December of each year. An increase means higher payments. APR limits. The APR will never exceed 18.00%. The APR will never be lower than 3.25%. Draw period. 10 years. You can borrow against the line during this time. Repayment period. 10 years. You can no longer borrow, and payments are set to repay the balance in equal monthly installments of principal and interest. Fees. Loan fee: $0.00. Late payment: $25. Other fees to open the line (such as appraisal, title, flood determination and recording) are estimated at $243 to $800. Additional fees may apply subject to type and evaluation of property, ownership, and lien status.
APR = Annual Percentage Rate. The APR is variable and is based on the Prime Rate published in The Wall Street Journal (the index) plus a margin of -1.00% to 3.60%. As of September 15, 2026, the Prime Rate was 7.00%. The rate and payment may increase after account opening. The maximum credit limit is $150,000, up to 80% CLTV. CLTV = Combined Loan-to-Value. Estimated payment per $1,000 borrowed, at the lowest APR shown; payments do not include property taxes or insurance premiums, so your actual payment obligation will be greater.
Fixed-Rate Home Equity LoansProgramRateMaximum LoanMaximum CLTVPayment per $1,000 BorrowedAPR
15-Year Fixed Home Equity Loan6.75% to 11.31%$250,00080%$8.85 to $11.566.75% to 11.31%
20-Year Fixed Home Equity Loan7.26% to 12.01%$250,00080%$7.91 to $11.027.26% to 12.01%
Rate type. The rate is fixed for the full term of the loan and will not increase. How your rate is set. Your rate depends on your creditworthiness, CLTV and term, and may be higher than the lowest rate shown. The lowest rates require a credit score of 730 or higher and a CLTV of 80% or less. Fees. Origination fee: $0. Other closing costs (such as appraisal, title, flood determination and recording) are estimated at $243 to $800. Additional fees may apply subject to type and evaluation of property, ownership, and lien status. Prepayment. There is no prepayment penalty. You can pay off the loan early at any time without penalty.
APR = Annual Percentage Rate. The maximum loan amount is $250,000, up to 80% CLTV. CLTV = Combined Loan-to-Value. Estimated payment per $1,000 borrowed, at the lowest rate shown, based on 180 monthly payments for the 15-year term and 240 for the 20-year term; payments do not include property taxes or insurance premiums, so your actual payment obligation will be greater.
Important Definitions and InformationHome equity loan: a closed-end loan secured by your home, repaid in fixed monthly payments over 15 or 20 years.
Home equity line of credit (HELOC): an open-end line of credit secured by your home that you borrow against as needed.
Index rate: the Prime Rate published in The Wall Street Journal. For HELOCs, the APR is the index plus your margin.
Margin: the percentage added to the index to set your variable APR. Your margin depends on your creditworthiness and CLTV.
HELOC draw and repayment periods: a 10-year draw period when you can borrow, followed by a 10-year repayment period with equal monthly payments of principal and interest.
HELOC lifetime maximum and minimum: the APR will never exceed 18.00% or fall below 3.25%.
Maximum combined loan-to-value (CLTV): the total principal balance of all mortgages on the property divided by the property value. The maximum is 80%.
Eligible property: an owner-occupied 1–4 family residence in California.
Property insurance: a policy is required. Flood insurance may also be required.
General DisclosuresAll loans are subject to credit approval and membership eligibility. Rates and terms are subject to change without notice. Property must be an owner-occupied 1–4 family residence in California. Property insurance is required; flood insurance may be required. Equal Housing Lender. Federally insured by NCUA.
