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6.25% APR* — 12 months

Expires 12/31


6.25% APR* — 12 months

Expires 12/31

Unlock your home's potential.

Let DFCU be the key to transforming your home's equity into a generous holiday gift. Access your equity and save simultaneously! Let's turn those holiday dreams into reality together.

With this introductory offer, enjoy:

6.25% APR*

for the first 12 months

$750,000 MAX

$10,000 minimum


Complimentary notary service, cashier's checks, and more

Apply Now
Interested in a HELOC offer?

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

More details:
  • Up to 80% CLTV on your HELOC
  • Valid on owner-occupied residences only
  • Enjoy rates as low as 8.75% APR* after your intro period!

🞡 Intro Rate Details
  • $10,000 minimum advance. If there is no initial advance at the time of funding, the member gets the regular rate.
  • Based on the current the Prime Rate, the lowest HELOC rate will be 8.75% after the 12-month intro rate period.

*Annual Percentage Rate. Rate shown is effective 11/01/2023 and may change without notice. Rate shown is the lowest possible and is based on FICO/Credit Score and other factors. The rate of 6.25% APR is an introductory rate valid for the first 12 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. There will be a $550 penalty if the HELOC is closed within three years of funding. To qualify for the introductory rate member must advance a minimum of $10,000 at the time of funding the HELOC. If there is no initial advance at the time of funding, the loan will not be eligible for the discounted rate. This offer is valid from 11/01/2023 to 12/31/2023 and must be funded by 12/31/2023. No HELOC 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, non-members would have to establish membership before loan funding. Additional restrictions apply. Please contact a DFCU Loan Representative for complete promotional details and qualifying criteria. Other rates and terms are available.
Estimated costs related to the process:

  • Drive-by Appraisal ($400.00)
  • Title Fees ($350.00-$450.00)
  • Origination Fee ($60.00)

  • Please speak to a DFCU rep for further details.