Nehemiah, international photographer.
Putting him first since 2012.


Make your home work for you

If you're looking to pay for a home remodel or a life event like a wedding with the equity in your home, a fixed rate Home Equity Loan might be your best option.

Why a Home Equity Loan?

As Low As

Use the Equity in Your Home Today


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 fixed rate Home Equity Loan offers longer terms and lower rates than personal loans, and controls your interest costs.

Home Equity Loan Rates


Home Equity Loans

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Combined-Loan-to-Value (CLTV)RateAPR*

*Rates are effective 5/18/2023 and are subject to change without notice. APR = Annual Percentage Rate.

Loan repayment term is 15 years (180 months). Home Equity Loan rate is fixed for the duration of the loan. 

Maximum Combined Loan to Value (CLTV) is 70%, including existing first mortgage and new second lien 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.

Minimum Home Equity loan amount is $50,000 and maximum is $250,000. A $350 Application Fee and $175 Document Prep Fee will be assessed at the time of closing. All fees will be deducted from the proceeds of the loan, with the balance of the loan proceeds deposited to your SF Fire Credit Union checking or savings account.  Additional fees may apply.

Payment example: A $50,000 loan with an APR of 9.152% for 180 months will have a monthly payment of $507.13.

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.


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Tony and Lisa, SF Natives.
Putting their family first since 1991.

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Tony and Lisa, SF Natives.
Putting their family first since 1991.
Liz, proud Bay Area Native.
Putting her first since 2013.

Say goodbye to credit card fees

Get the card that cuts out fees while giving you rewards, overdraft protection, and leading rates.

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Liz, proud Bay Area Native.
Putting her first since 2013.

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)
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Sat 9:00AM - 5:00PM


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