¹HELOC applications received between 6/15/23 and 11/30/23 will receive a special rate of Prime minus 1.00% for the life of the loan term. Offer and rates are subject to change without notice. Third-party fees apply. An appraisal fee will be charged for HELOCs over $400,000.

The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (“Index”). The minimum interest rate is 4.000%, and the maximum interest rate is 18.000%. Equity lines have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only.

The rate example shown here is based on an owner-occupied single-family detached house located in the state of California with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. Some restrictions may apply.

HELOC payment example: A HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), and a FICO® score of 720 or greater will have a monthly payment of $1,563.00. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

²Credit up to $675 is deposited into the member’s checking or savings account upon funding of a HELOC, 1st or 2nd mortgage and qualification for a Membership Rewards Ambassador relationship.