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Home Equity Line of Credit

Get a Home Equity Loan or Home Equity Line of Credit with DFCU and YEAH, we'll cover the closing costs.* Use your money the way you want, whether that is on a family vacation, home remodel, or to pay off debt - not on closing costs.
Offer ends April 30th, 2020.


Fixed rates as low as 5.25% APR*

  • DFCU pays for your closing costs*
  • Loan amounts up to $400,000
  • Up to 80% combined loan to value
  • Terms from 60 to 240 months
Apply for a Home Equity Loan Today!


Variable rates as low as 6.25% APR*

  • DFCU pays for your closing costs*
  • Loan amounts up to $400,000
  • Up to 80% combined loan to value
  • Terms up to 20 years
  • Interest paid may be tax deductible1
  • 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!

Not sure which option is best for you?

Call us at 562.862.8141 to speak to a Loan Representative.

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

*APR = Annual Percentage Rate. No-cost promotion on home equity loans and home equity lines of credit (HELOC) is valid from 3/2/20 - 4/30/20. Applications must be received by 4/30/19 to qualify for no-cost promotion. To qualify for the no-cost promotion, a minimum $10,000 must be funded for a Home Equity Loan or minimum $10,000 advance at time of funding for a HELOC. Rates shown are the lowest possible and are based on FICO/Credit Score and other factors. 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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