What are the major pros of getting a CU SoCal HELOC?

Use what you need, when you need it. Borrow the money you need to consolidate high-interest debts, to complete home improvements or home repairs, or for other large expenses that you wish to pay over time.
Reduce your interest payments. Interest rates for a HELOC are usually lower than those for personal loans and credit cards. You may be able to lower your interest payments by consolidating your debt into a HELOC, which will save you more over time.
Potential income tax benefits. If you use your HELOC for home improvements, a portion of your interest may be tax deductible. Discuss your situation with your tax advisor to determine what interest may be deductible.