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 12/28/2022 and are subject to change without notice. APR = Annual Percentage Rate. Certain restrictions may apply. Maximum Combined Loan to Value (CLTV) is 85%, including existing first mortgage and new second lien Home Equity Loan. All loans are subject to property valuation, limited to one-to-four family units located in the state of California. All loans are subject to credit approval and income and employment verification. Membership eligibility requirements apply.

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

Payment example: A $50,000 loan with an APR of 7.92% for 180 months will have a monthly payment of $470.64. A $275,000 loan with an APR of 8.40% will have a monthly payment of $2667.89. Other rates available. 

Minimum loan amount is $20,000. A $425 Application Fee will be assessed at the time of closing. An appraisal fee and other closing costs including title, escrow, and recording fees, will be assessed on credit requests more than $250,000. These charges are estimated to range from $1,900 to $3,300. 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.

SF Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions: Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit items and policies.

Member 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

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

10 types of loans

Different types of loans have different purposes, terms, requirements, and repayment structures. What's the best option for your needs?

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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.


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(888) 499-FIRE (3473)
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