Or visit one of our 39 locations
Or visit one of our 39 locations
| Effective July 18, 2025 and subject to change. View a printable PDF. | Apply Online |
SDCCU offers fixed rate home equity loans and variable rate home equity lines of credit (HELOC). Our Home Equity Lines & Equity Loans feature:
Equity Lines
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Property must be located in California.
Condos must be approved for conventional Fannie Mae, FHA or VA financing.
Call us or visit us today to find out what options are available to you!
| Maximum High Combined Loan-To-Value (HCLTV) | Loan Amount | Variable Rate (as low as) | Prime | Margin (as low as) | Annual Percentage Rate (APR)¹ |
| Up to 50% HCLTV | Up to $500,000 | 9.000% | 7.500% | 1.500% | 9.000% |
| Up to 60% HCLTV | Up to $300,000 | 9.000% | 7.500% | 1.500% | 9.000% |
| Up to 70% HCLTV | Up to $100,000 | 9.500% | 7.500% | 2.000% | 9.500% |
The APR will not decrease below 4.00%. The APR cannot exceed 18.00%. Other rates are available and your APR may vary based upon the collateral, amount financed and credit history. Minimum credit line of $25,000 required. ¹The APR may adjust monthly.
| Maximum Combined Loan-To-Value | Loan Amount | Term | Fixed Rate | Annual Percentage Rate² | Estimated Payment Per $1,000 |
| Up to 60% CLTV | Up to $250,000 | 10 Years | 7.875% | 7.874% | $12.07 |
| Up to 70% CLTV | Up to $100,000 | 10 Years | 8.125% | 8.124% | $12.20 |
| Up to 60% CLTV | Up to $250,000 | 15 Years | 8.125% | 8.124% | $9.63 |
| Up to 70% CLTV | Up to $100,000 | 15 Years | 8.375% | 8.374% | $9.77 |
²Quoted APR includes estimated 30-days of prepaid interest.
ADDITIONAL REQUIREMENTS AND RESTRICTIONS
| Requirements: • Income verification • Satisfactory appraisal • Hazard Insurance required • Condo Survey (if applicable) • Other requirements may apply | 1st Mortgage Restrictions (unable to lend behind): • Interest-only loans • Option ARMs or negatively amortized loans • Balloon loans |
The interest on your home equity financing may be tax deductible. Consult your tax advisor regarding deductibility of interest.
All loans are subject to approval.
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Using the value of your home couldn't be easier or more affordable.
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Thank you for your interest in applying for a low-rate credit card from SDCCU. You can apply by one of the convenient ways below.
Open an account online to become a member.
Once you are a member, apply for your credit card through Internet Branch online banking.
Open Account
There are many convenient branch locations throughout Southern California.
Find Branch
Thank you for your interest in applying for a low-rate auto loan from SDCCU. You can apply by one of the convenient ways below.
Visit a Dealership.
When you’re at the franchise dealership, tell them you want to finance through SDCCU. Upon approval, they can set you up for membership and complete your loan on the spot.
There are many convenient branch locations throughout Southern California.
Find Branch
Open an account online to become a member.
Once you are a member, apply for your auto loan through Internet Branch online banking.
Open Account
Thank you for your interest in applying for a personal loan from SDCCU. You can apply by one of the convenient ways below.
Open an account online to become a member.
Once you are a member, apply for your personal loan through Internet Branch online banking.
Open Account
There are many convenient branch locations throughout Southern California.
Find Branch
Log into Internet Branch online banking to apply for this loan under your existing account. If you want a separate account, use the New to SDCCU options to the left.
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