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Home Equity Line of Credit

A HELOC or HEL is a great way for you to use the built up equity in your home to make a goal happen. Whether you are looking to consolidate your high-interest debt from other lenders or if you are wanting to start your home remodel journey, now is the time to act. For a limited time, DFCU is offering an Introductory Rate of 2.65% APR1 for the first 24 months from April 15th to June 30th, on qualifying HELOCs.

But that's not all! You also have the option to let us cover the cost of 3rd party fees (Title, Flood, Appraisal). Whichever offer you accept, we'll keep savings in your pockets.


Starting at 2.65% APR1 for the first 24 months

  • Loan amounts up to $750,000
  • Up to 80% combined loan to value
  • Terms up to 20 years
  • Interest paid may be tax deductible
  • Open-ended loan with a 10-year draw period/10-year repayment
  • Get a free quote for Home Insurance through the TruStage Insurance Program and save hundreds
Apply for a HELOC Today!
Interested in a Home Equity Loan or Line of Credit?

Simply provide your name and phone number and we’ll give you a call.

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Or call us at 562.862.8141

1Annual Percentage Rate. INTRO RATE: Rate shown is effective 4/15/2022 and may change without notice. Rate shown is the lowest possible and is based on FICO/Credit Score and other factors. The rate of 2.65% APR is an introductory rate valid for the first 24 months from when the Home Equity Line of Credit (HELOC) funds: after which the rate will default to the non-promotional rate which the member qualifies for based on the Prime Rate and margin disclosed at the time of funding, which is determined by creditworthiness, FICO/Credit Score and other factors. This is subject to standard Downey Federal Credit Union (DFCU) credit approval. NO COSTS: for the no closing costs offer, the standard rate that the member qualifies for will apply ‐ the introductory rate is not available for this option. The no cost option is available for HELOC and Home Equity Loans (HEL). There will be a $550 penalty if the HELOC or HEL is closed within three years of funding. To qualify for the introductory rate or for no costs member must advance a minimum of $10,000 at the time of funding the HELOC or HEL. If there is no initial advance at the time of funding, the loan will not be eligible for the discounted rate or no costs offer. Both offers are valid from 4/15/2022 to 6/30/2022 and must be funded by 6/30/2022. No HELOC or HEL or other loans currently financed at DFCU are eligible. DFCU does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act and deposits are Federally Insured by NCUA. Membership must be in good standing in order to be approved for either of these loan promotions. Additional restrictions apply. Please contact a DFCU Loan Representative for complete promotional details and qualifying criteria. Other rates and terms are available.