Home Equity Loans - Stanford Federal Credit Union Skip to main content
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Global supply chain issues are impacting delivery times for plastic credit and debit cards. We appreciate your patience and understanding as you wait for your card. A digital version of your card is always available in Online Banking and the mobile app, so you can load it to your mobile wallet, add it to your subscriptions, and shop online. Go to Services > MORE OPTIONS > Digital Card.

Home Equity Loans

Home Equity Loans and Lines of Credit are a great way to access the equity you’ve built in your home!

Prime + 0% for the life of the loan

HELOC remodel

Apply today to enjoy Prime + 0% APR* for the full term of your new Home Equity Line of Credit (HELOC). Use the funds for a remodeling project or pay off debt—there are no payments until you actually use the line of credit.


  • Rates as low as 7.500% APR*
  • Easy application and approval process
  • No points, no annual fee and no lender fees
  • 10-year draw period and 10-year repayment period
  • Refinance an existing HELOC to Stanford FCU
  • California properties only

Apply Now

View Disclosures

Also known as second mortgages, HELOCs and second deeds of trust, you can borrow up to 80% of your home’s equity at a low rate and use the funds for any purpose.

Example:

 

Your home is valued at $2 million (80% = $1,600,000)
Your mortgage balance is $600,000
You can borrow up to $1 million ($1,600,000 - $600,000)

Features for both loans

 

Use the funds for any purpose: Home remodel, college tuition or debt consolidation
No points, no annual fee and no lender fees
California owner-occupied and second-home properties only
Loan amounts up to $1 million
Foggy forest in the mountains

Home Equity Loan

  • Low, fixed interest rate
  • Up to 20 years to repay

Home Equity Line of Credit (HELOC)

  • Low, adjustable interest rate
  • 10-year draw period and 10-year repayment period
  • Interest-only payments during the initial 10-year draw period

Home equity loan rates

Scroll Right for More Data

Home Equity Loan Interest Rate APR Monthly Payment
HELOC 7.500% 7.500% $1,563 (240 payments)
15 Yr Fixed Second Mortgage 7.750% 7.839% $2,353 (180 payments)
20 Yr Fixed Second Mortgage 7.990% 8.063% $2,090 (240 payments)
View Disclosures

Effective 1/17/23

Home Equity Lending Specialists

denise butler

Denise Butler

Home Equity Lending Specialist

NMLS #723524

Apply Now
jp panigbatan

JP Panigbatan

Home Equity Lending Specialist

NMLS #325467

Apply Now
katherine selga

Katherine Selga

Home Equity Lending Specialist

NMLS #719350

Apply Now

Mortgage details you need to know

Learn More

All loans subject to credit approval. Membership eligibility required.

Home Mortgage Disclosure Act (HMDA) Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.