Home Equity Loan & Line of Credit Rates

Choose from the program that's right for you


HOME EQUITY LINE OF CREDIT

Up to 75% Loan to Value, amounts up to $250,000


Program Intro APR Floor Rate Fee APR
HELOC (credit score >=670) 2.99% 4.500% $0.00 4.500%
HELOC (credit score <670) 2.99% 5.000% $0.00 5.000%

 

Loan to Value over 75%, amounts up to $250,000


Program Intro APR Floor Rate Fee APR
HELOC (High LTV) 2.99% 5.500% $0.00 5.500%


FIXED HOME EQUITY LOAN

Loan amounts up to $100,000


Program Rate Fee APR Monthly
Payments 		Payment
Amount
15-year Fixed Home Equity Loan 5.750% $309.00 5.810% 180 $830.41
20-year Fixed Home Equity Loan 6.125% $309.00 6.150% 240 $723.66

 

Loan amounts from $100,001 to $250,000


Program Rate Fee APR Monthly
Payments 		Payment
Amount
15-year Fixed Home Equity Loan 5.750% $708.00 5.840% 180 $2,076.03
20-year Fixed Home Equity Loan 6.125% $708.00 6.180% 240 $1,809.15
APR=Annual Percentage Rate. Home Equity Loans and Lines of Credit are secured by your home. Available only on owner-occupied, California primary residences. 2.99% APR Introductory Home Equity Line rate valid for the first 12 months; after which will change to normal rate (as low as 4.500% to a maximum APR of 18.00%). Loans subject to borrower and property qualifications; not all applicants may be approved. Rates and terms as of 1/25/2021 and are subject to change without notice. Conditions, restrictions and terms may apply.