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Home Equity Loans

Competitive rates, fixed monthly payment.

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Borrow from your home's equity for remodeling, making large purchases or consolidating debt

Loan amounts available from $10,000 to $500,000, depending on occupancy type.¹

Receive the full loan amount at funding.²

Choose your loan term of 10, 15 or 20 years.³

No lender origination fees.

No restrictions when choosing how to allocate the funds.

Home Equity Loans
as low as

6.750 % APR

CURRENT HOME EQUITY RATES

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The Perks of a Home Equity Loan

A Home Equity Loan is a fixed-rate second mortgage you borrow against the equity in your home. You'll get the full loan amount at funding to use for anything you want — home renovations, large purchases or consolidating debt. It's perfect if you know the exact amount you need and want a fixed payment and a fixed term. You may also consider a Home Equity Line of Credit, which may work better for ongoing or unexpected expenses. It's an open line of credit to draw from when you need to.

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For six consecutive years, we've been recognized by Forbes as the No. 1 Best-In-State Credit Union in California.

Is a HELOC a Good Financial Move?

Home Equity Loan or Line of Credit?

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Get the Right Home Insurance Coverage

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Protect Your Biggest Investment

Homeowners Insurance: Make sure you're protected from losses due to fire, lightning, burglary, vandalism, storms and more.

Condominium Insurance: Get coverage for interior walls and floors, personal property and personal injury.

Earthquake Insurance: This separate policy helps you recover, replace and rebuild if a tremor damages your home.

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Get Professional Guidance

Discuss your options with a real estate loan consultant in person, over the phone or at a branch.

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Call

Monday through Friday, 8 a.m. – 7 p.m.
Saturday, 9 a.m. – 3 p.m.

(800) 462-8328, EXT. 8288

Disclosures

APR = Annual Percentage Rate. All loans subject to approval.

The pricing you may qualify for is based on factors including your credit rating and loan-to-value (LTV) of your property. A minimum credit qualifying score is required. Rates listed are effective as of 04/18/2025 and subject to change without notice. Equity loan products are simple interest. This means the amount of interest estimated on the loan is based on the assumption that monthly payments will be made on the precise due date. Any early payments will reduce the final amount due, while any late payments will increase the final amount due. The final amount due may be substantially higher than the amount reflected on the application and must be paid in full on the maturity date of the loan. An approved application is required for a rate to be locked. Lending area: State of California.

Property insurance is required. Flood insurance required when applicable.

Owner-occupied primary residences, from $10,000 to $500,000. Non-owner-occupied properties, from $10,000 to $150,000.
Priority liens will be paid first, and the remaining funds will be accessible.
20-year loan term is only applicable to owner-occupied borrowers.

NMLS Identifier: 405503

CA Insurance License 0I19344. Purchasing an insurance product from SchoolsFirst Insurance Services is not required to originate a loan with SchoolsFirst FCU.