Tony and Lisa, SF Natives.
Putting them first since 1991.


Use the value of your home today

If you need extra cash, a Home Equity Line of Credit could be the answer.

Why a Home Equity Line of Credit?


Use the Equity in Your Home

You've worked hard making your house a home. Now let it work for you. Tap into the equity you've built to pay for home repairs, pay off high-interest debt, or anything else you might need. A home equity line of credit is a revolving line of credit, so you can use it like a credit card, when and if you need it.


Home Equity Line of Credit Rates


HELOC (prime + 2.00%)

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APR*Loan-to-Value (LTV)

**APR = Annual Percentage Rate. The variable rate APR on home equity lines of credit may vary quarterly based on the latest U.S. Prime Rate as published in the Wall Street Journal plus a margin of 2.00% (the Prime Rate is 8.50% as of July 27th, 2023).

Maximum Combined Loan to Value (CLTV) is 70%, including existing first mortgage and new Home Equity Loan. All loans are subject to property valuation. Limited to owner occupied one-to-four family units located in the state of California. All loans are subject to credit approval and income and employment verification. Property insurance is required, and flood insurance may be required. Membership eligibility requirements apply.

The minimum Home Equity Credit Line is $20,000 and the maximum Line is $250,000, subject to loan to value and credit approval. A $350 Application Fee and $175 Document Preparation fee will be assessed at the time of closing. There is no annual fee. Borrower agrees to reimburse the credit union with a $300 early termination fee if the account is closed within 2 years. Borrower must pay mortgage reconveyance fees at loan termination. Additional fees may apply.

Borrower must be at least 18 years of age. 

Terms and conditions are subject to change. Income restrictions and additional conditions may apply.

**Please consult a tax advisor about your specific tax situation.

Discover More

Brie, world traveler.
Putting her first since 1994.

Take your home to the next level

Looking to make your home more energy efficient? Save money and the planet with a solar upgrade to your home. 

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Brie, world traveler.
Putting her first since 1994.
Hannah & Martin, SFUSD supporters.
Putting them first since 2017.

Should you use a HELOC for home improvements?

A HELOC could help you finance a home improvement project. Find out if it's right for you. 

Learn More
Hannah & Martin, SFUSD supporters.
Putting them first since 2017.

Let's Talk

As a local credit union, we measure our success one member at a time. We want to get to know you and help you achieve your goals. Come into a branch or call us today. Our people are happy to serve you.


(415) 674-4800
(888) 499-FIRE (3473)
Mon – Sat 7:00 AM – 8:00 PM


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Saturday 8:30 AM – 3:00 PM

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