No appraisal fee or closing costs

Generous limits up to $250,000

Interest-only terms available

At CU SoCal, we know having access to extra cash can go a long way toward making your plans happen again.

Maybe it's for the upgrades you've always dreamed of. Maybe it's for paying off higher-interest loans. Or, maybe its simply for the peace of mind knowing you have access to extra cash. Whatever the reason, your home can be a practical source of cash.

Whatever your plan is, make it happen with:

  • No appraisal fee (a $400 savings).2
  • No points.
  • No closing costs.
  • No annual fees.2
  • A generous limit of up to $250,000.
  • 2.99% APR1 for 12 months.
  • A low floor rate of 4.00% APR.
  • Low, flat application fee of $50.
In addition, CU SoCal offers an interest-only option with our Home Equity Line of Credit.3 Paying only the interest due each month gives you the flexibility to keep payments low during the 10-year draw period of your HELOC.

With a HELOC, you can get the extra cash you need without the extra costs. Access up to 80% of your home’s equity in a revolving credit line that can be used over and over again.

Home Equity Line of Credit Rates

Amount1 Max CLTV2 APR3 Est. Payment Per $1,0004
Up to $250,000 75% 2.99%
Up to $150,000 80% 2.99%
APRs listed reflect our best rates and may be higher depending on individual credit rating and account history.
1 Maximum loan amount subject to credit qualification and appraised property value.
2 Combined Loan-to-Value (CLTV).
3 The 2.99% promotional rate applies for the first 365 days on new HELOCs. A $50 application fee and a $495 processing fee will apply. The promotional rate is limited to one per property and does not apply to subsequent credit limit increases or refinances. After that, the rate will adjust to the current index rate plus the applicable Margin. The promotional rate is not based on the index plus the applicable Margin.
4 Estimated payments shown reflect interest-only payments for the first 10 years of the loan.
Vacation home equity loans also available. The rates and prices quoted above are effective as of 2/1/2018, are not guaranteed and are subject to change without notice. CU SoCal offers a variety of real estate loan programs. For more information, please call a CU SoCal home loan specialist at 800.698.7196.

Make it happen.

If you live, work, worship or attend school in Los Angeles County, Orange County, Riverside County, or San Bernardino County, we can make your plans a reality. Call us at 866.287.6225 to apply for your CU SoCal Home Equity Loan or Line of Credit.

Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


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