Home Equity Loans

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

Open a new HELOC and get Prime + 0% APR* for the life of the loan!

HELOC remodel

Take advantage of this limited-time offer to enjoy Prime + 0% APR* for the life 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 3.25% APR*
  • Easy application and approval process
  • No points and no annual fee
  • 10-year draw period and 10-year repayment period
  • Refinance an existing HELOC to Stanford FCU
  • California properties only
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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. See below for a limited-time HELOC offer!



Your home is valued at $1 million (80% = $800,000)
Your mortgage balance is $550,000
You can borrow up to $250,000 ($800,000 - $550,000)

Features for both loans


Use the funds for any purpose: Home remodel, college tuition or debt consolidation
No points and no annual fee
California owner-occupied and second-home properties only
Loan amounts up to $250,000 (ask us about higher limits!)
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 240 Monthly Payments
20 Yr Fixed Second Mortgage 5.000% 5.610% $1,650
HELOC 3.250% 3.250% $677
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Effective 10/19/2021

Home Equity Lending Specialists

Katherine Selga - Home Equity Lending Specialist

Katherine Selga

|NMLS #719350

Denise Butler - Home Equity Lending Specialist

Denise Butler

|NMLS #723524

Mortgage details you need to know

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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.