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For Those Home Projects!


For Those Home Projects!

Use the equity in your home for a home remodel, a dream vacation, debt consolidation, college tuition, or other large expenses. Also, great for recurring expenses or emergency funds when you need it!


Introductory rate as low as 2.60% APR1 for the first 12 months!

  • No Costs — Costs reimbursed at the time of funding1
  • Loan amounts up to $400,000
  • Up to 80% combined loan to value
  • Interest paid may be tax deductible2
  • Open-ended loan with a 10-year draw period/10-year repayment
Apply for a Home Equity Line of Credit Today!

Interested in a HELOC?

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 ext. 702

1 APR=Annual Percentage Rate. Rate quoted is the best possible rate available. The actual rate you qualify for will be based on your credit history and other factors. Home Equity Lines of Credit (HELOC) are available for owner-occupied, CA primary residences only. The introductory discounted 2.60% APR (intro rate) is fixed for the first 12 months (365 days), after which it will convert to the current Prime Rate plus margin or the floor rate, whichever is higher, and will be variable and subject to change in April and October each year. Standard, non-promotional rates start as low as 4.25% APR to a maximum 18.00% APR. Special introductory rate on HELOC is valid from 06.01.2017-12.31.2017. HELOC must be closed/on DFCU's books by 12.31.2017, with an initial $10,000 minimum advance taken at the time of funding, to qualify for “Cost Reimbursement Promotion“ and 2.60% introductory rate. A $550 penalty will apply if HELOC is closed in the first 3 years. New money only - no other loans currently financed at DFCU are eligible for cost reimbursement or introductory rate promotion. Cost Reimbursement Promotion subject to standard Downey Federal Credit Union (DFCU) credit approval. All normal loan underwriting fees (flood certification, appraisal fees, title fees, etc.), up to $650, will be charged up front at the time the HELOC application is submitted. However, costs will be reimbursed at the closing of the new HELOC and once the minimum $10,000 is advanced. DFCU standard lending rules and regulations apply. Offer may be changed or discontinued at any time without notice. Membership in good standing is required to be approved for this loan promotion. Loan subject to borrower and property qualifications; not all applicants may be approved. Additional restrictions apply. Please contact a DFCU Loan Representative or visit our branch for complete promotional details, qualifying criteria, disclosures, and other rates and terms.
2 Please consult with your tax advisor for tax deductibility of interest. DFCU does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act and deposits are Federally Insured by NCUA.
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