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Home Equity Line of Credit

Big ideas begin here! Use the value in your home to fund home improvement projects, consolidate debt, or large expenses, we'll take care of the rest. From now until April 30, 2019, DFCU will cover your closing costs so you can focus on your next major project.

HOME EQUITY LOAN

Fixed rates starting at 5.25% APR*. Use the equity in your home for a one lump sum to consolidate debt, a home remodel, add on, or other large expenses.

  • Loan amounts up to $400,000
  • DFCU pays your closing costs - for a limited time!
  • Up to 80% combined loan to value
  • Terms from 60 to 240 months
  • Interest paid may be tax deductible1
  • Get a free quote for Home Insurance through the TruStage Insurance Program and save

HOME EQUITY LINE OF CREDIT

Variable rates as low as 6.25% APR*. Not sure how much you'll need for that dream kitchen, adding a pool or even college tuition? Access the equity in your home for recurring expenses or emergency funds.

  • Loan amounts up to $400,000
  • DFCU pays your closing costs - for a limited time!
  • Up to 80% combined loan to value
  • Open-ended loan with a 10-ear draw period/10-year repayment
  • Interest paid may be tax deductible1
  • Get a free quote for Home Insurance through the TruStage Insurance Program and save
Apply for a HELOC or Home Equity Loan Today!
Interested in a Home Equity Loan or HELOC?

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

Call Request Form - Mobile

Or call us at 562.862.8141


*APR = Annual Percentage Rate. Rates shown are effective 3/1/19, and may change at any time without notice. Rates shown are the lowest possible and are based on FICO/Credit Score and other factors. No-cost promotion on home equity loans and home equity lines of credit is valid from 3/1/19 to 4/30/19. Applications must be received by 4/30/19 to qualify for no-cost promotion. To qualify for the no-cost promotion, a minimum $25,000 must be funded for a Home Equity Loan or minimum $25,000 advance at time of funding for a HELOC. New money only - No home equity loans or home equity lines of credit or other loans currently financed at DFCU are eligible for the no-cost promotion. This will be a "No Fee" program, subject to standard Downey Federal Credit Union (DFCU) credit approval. All normal loan underwriting fees (flood certification, appraisal fees, settlement/closing) will be waived for all new Home Equity Loans and HELOC requests that meet the criteria. Offer may be discontinued without notice. DFCU does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act and deposits are Federally Insured by NCUA. Membership in good standing is required in order to be approved for this loan promotion. Additional restrictions apply. Please contact a DFCU Loan Representative, give us a call or visit our branch for complete promotional details, qualifying criteria, disclosures, and other rates and terms.
1Please consult with your tax advisor for tax deductibility of interest.
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