Home Equity Loan | Bay Area, CA HELOC Rates

Put your home's equity to work with a loan or line of credit

Think of the time and money spent owning your home. It's time you were paid back. Get a home equity line of credit (HELOC) or a fixed-rate home equity loan at an affordable rate so you can take on your next big project—whatever that might be.

Prime + 0% rate for the life of the loan with variable rates as low as 6.750% APR¹
Easy to apply, easy to get approved
No points, no annual fee, no lender fees (some third-party fees will apply)
With our HELOC, you owe nothing until you use it
Access cash for 10 years, repay everything within 30 years (owner-occupied property only)
You can refinance an existing HELOC to Stanford FCU, too
Pull equity from an existing second home or investment property (maximum 75% CLTV) for a HELOC up to $400,000 (10-year draw period and 10-year repayment period)²
Finance a California ADU (granny flat, in-law unit, backyard cottage) on your owner-occupied property and lock in a 5.750% APR fixed rate for the first 12 months³

Home equity loan rates

Effective Date: 6/9/26
Home Equity Loan	Interest Rate	APR	Monthly Payment
Owner-Occupied HELOC (variable)¹	6.750%	6.750%	$1,407 (240 payments)
Second Home/Investment HELOC (variable)²	8.125%	8.125%	$1,693 (240 payments)
ADU HELOC (variable)³ 12-Month Introductory Rate	5.750%	5.750%	$1,197 (12 payments)
ADU HELOC (variable)³ Rate for the Remainder of the Term	6.750%	6.750%	$1,407 (228 payments)
15 Yr Fixed Second Mortgage	7.125%	7.199%	$2,265 (180 payments)
20 Yr Fixed Second Mortgage	7.375%	7.435%	$1,995 (240 payments)

Calculator: See how much money you can borrow with a home equity line of credit

Chance to win up to $2,500

Apply for a home loan (first mortgage, refinance, second mortgage, or HELOC) between May 15–July 15, 2026 and be automatically entered into our Welcome Home Sweepstakes for a chance to win $2,500, $1,000, or $500.⁴

Apply for a home loan

Meet our Home Equity Lending Specialists

Denise Butler

Home Equity Lending Specialist
NMLS #723524

Amelia Custodio

Home Equity Lending Specialist
NMLS #1347214

Katherine Selga

Home Equity Lending Specialist
NMLS #719350

Loanne Vu

Home Equity Lending Specialist
NMLS #245176

Saving the day

As an international student, Stanford FCU made it really easy for me to open a bank account before I even arrived in the U.S. They helped me set up my checking account and debit card without needing a U.S. credit history, which was a huge relief. I also appreciate how friendly and patient the staff were in explaining how banking works here. It really helped me get settled quickly.

Halil

Support when you need it most

Stanford credit union was such a great blessing to our family. They helped us with the purchase of our first ever house and made it possible acquire our second house where we live in now. The members of Stanford credit union have always treated us like family and always a welcome and a happy smile.

Catherine

Can I use an external account to make automatic loan payments? Show

Yes, you can use an account at another financial institution to set up automatic payments for your Stanford FCU loans. You’ll first need to set up the external account using Plaid in Digital Banking. Click here to add an external account .

There are two ways to link your accounts:

Instant Auth. Plaid uses an instant authentication, which means you don’t have to wait on microdeposits before linking an external account. To use Instant Auth, sign in with your online credentials for your external account.
Same Day Microdeposits. If your external institution isn’t connected to Plaid, you can still use Plaid to link your accounts via Same Day Microdeposits. To complete this process, you will need your account and routing numbers. Once you submit the request, you will receive a verification code via email. The code is only valid for 7 days.

Some financial institutions scramble account numbers for security. This means you may not see your actual external account number in Digital Banking

Once your external account has been verified, you can set up automatic payments through the Make a Payment service:

Choose your external account as the From account
Select the loan you wish to pay
Click the Enroll in Auto-Pay box
Complete and submit the form

Haven’t signed up for Digital Banking yet? You can view your account history, transfer funds between your accounts, make a loan payment, access Bill Pay and eStatements…and more! Sign up for Digital Banking today to handle all your personal banking in one convenient and secure place.

Can I make my loan payment online? Show

Of course! Stanford FCU offers several convenient methods to make your loan payments:

Pay online through Digital Banking
Set up automated transfers from a Stanford FCU checking (spending) account through Digital Banking
Mail-in Payments
- Stanford Federal Credit Union
  PO Box 10690
  Palo Alto, CA 94303-0843
Pay Over the Phone by contacting a Member Care Team Specialist at 650.723.2509 (local) or 888.723.7328 toll free, Option 0.

If you want to make a loan payment at another financial institution, click here.

What is a credit score? Show

A credit score predicts how likely you are to pay back a loan. Companies use a mathematical formula called a scoring model to create your credit score from information in your credit report. Your credit report contains information about your experience paying loans and other bills.

Stanford FCU provides each member with their free credit score quarterly in Digital Banking.

Some factors that make up a typical credit score include:

Your history paying bills
Your current unpaid debt, like credit card and other loan balances
The number and type of loan accounts you have
How long you’ve had loans
How much of your available credit you’re using
Any new applications for credit
Whether you’ve had a debt sent to collections, a foreclosure or bankruptcy

Banks, credit unions and other lenders use credit scores to make decisions about whether to offer you a mortgage, credit card, auto loan, or other credit product. The credit score is also used to determine the interest rate you receive on a loan or credit card, and the credit limit.

It’s important to know that there are many different types of credit scores available to you and lenders. The actual scores will vary depending on the scoring model, the source of your credit history, the type of loan product, and even the day it was calculated.

Stanford FCU uses two different credit scores:

FICO^® Score for real estate loans
VantageScore 3.0 for consumer loans (vehicle, personal and credit cards)

Both credit scores range from 300 to 850 and were developed jointly by the three major credit bureaus (Experian, Equifax, and Transunion). Usually a higher score makes it easier to qualify for a loan and may result in a better interest rate.

Where did Stanford FCU get my VantageScore that’s posted online?

Stanford FCU partners with Experian to provide all of our members with your free VantageScore. You can also request your free credit report directly from annualcreditreport.com.

Will viewing my score hurt my credit?

No, Stanford FCU does a soft pull on your credit so it will not affect your score.

Can I opt out of viewing my score?

Stanford FCU provides your VantageScore based on Experian data to help you monitor your credit so you can qualify for more affordable loans. You can opt out of receiving it by calling 888.723.7328 or sending us a secure Message through Digital Banking.

Will this VantageScore be used for my consumer loan or mortgage loan application?

The credit score you see in your Digital Banking is used for informational purposes only, as your actual score can change frequently. When you apply for a loan with us, we will pull your full credit report and use that credit score and history.

How often is my online score updated?

We will update your score four times per year at the beginning of each quarter (January 1st, April 1st, July 1st, and October 1st). New members won’t see their credit score until the beginning of the quarter following their new membership date.

Why can’t I see my credit score in Digital Banking ?

There are several reasons why you may not have a credit score:

You’re a new Stanford FCU member
You opted out (you can opt back in by calling 888.723.7328 or sending us a secure Message through Digital Banking
Our information about you is mismatched or missing, e.g., an address change that has not been updated with Stanford FCU or Experian
Your credit history is too new
Your account status is abandoned, bankrupt, fraud, closed, revoked, charged off, lost or stolen
You have a foreign address

How long does loan approval take? Show

When you apply for a credit card, auto or personal loan, you should have a decision within 1-2 business days.

Mortgage loans are more complex, and the decision may take several days as we gather additional information from you.

Apply today! Members will apply for a credit card, auto or personal loan through Digital Banking or the mobile app. Non-members must first apply for membership online in as little as 10 minutes. You can also apply by phone at 888.723.7328 or make an appointment at a local branch to discuss your loan needs.

Looking for a home loan? Both members and non-members can apply for a home loan online .

Do you offer Debt Consolidation loans? Show

Stanford FCU does offer loans to help consolidate bills and pay off other debts. There are several options available to most members. These may include personal loans, credit cards, home equity loans/lines, or even a first mortgage.

If you’d like to discuss your options prior to applying, you may call a Member Care Team Specialist at 650.723.2509 (local) or 888.723.7328 toll free. They can assess your personal situation and help determine which loan type is best for you.

You can also make an appointment at a local branch to discuss your loan needs.

How do I check the status of a loan application? Show

When existing members apply for a credit card, vehicle or personal loan through Digital Banking, they can check the status of any loan application by clicking here!

Once your loan is approved, a representative will contact you within one business day to finalize the process.

If you didn’t apply through Digital Banking, you may call us at 888.723.7328 to speak with a representative about your loan status.

If you applied for a home loan, you can log into the mortgage portal or contact your Mortgage Consultant directly for an update on the status.

Can I get a copy of my credit report? Show

You can get your own credit report for free by visiting annualcreditreport.com.

Your credit score is a reflection of the information contained in your credit report, and we encourage members to review their credit report regularly. Here’s what you should look for and what it means to your credit:

Accuracy – Review the entire report for general accuracy. If you see any accounts that you didn’t open or any existing accounts with errors, you should contact the credit bureau to request a correction.
Inquiries– Your credit report will show who has been accessing your credit report. There are two types of inquiries:
- Soft inquiries include inquiries made by creditors with whom you already have a credit account, inquiries where you’re monitoring your own credit, or when your credit is checked by a lender to make you a pre-approved credit offer. Since lenders are not making a lending decision or guaranteeing approval, these inquiries are typically considered promotional and won’t affect your credit score.
- Hard inquiries occur when a business has accessed your credit report in connection with an application for credit. If you see any hard inquiries that you don’t recognize, it may be an indication that someone is attempting to obtain credit using your name and social security number. In that event, you should quickly report the inquiry to the credit bureau.

Your Free Credit Report

Under federal law, you are entitled to a free copy of your credit report once every 12 months from each of the three credit bureaus: Equifax, Experian, and TransUnion. The bureaus have established one central service for consumers to contact:

Annual Credit Report Request Service

Website: annualcreditreport.com

Telephone: 877-322-8228

Mail: P.O. Box 105281, Atlanta, GA 30348

You can obtain your three reports all at once, or stagger your requests throughout the year to monitor your credit more frequently. Your credit score is not included with the report, although you can purchase it for a fee. You can also view your free credit score quarterly in Digital Banking!

Make educated financial decisions, protect your personal information, and more with help from these handy resources.

Explore

All loans subject to credit approval. Membership eligibility required.

Home Mortgage Disclosure Act (HMDA) Notice The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. These data are available online at the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). HMDA data for many other financial institutions are also available at this Web site.

¹ The HELOC rate is variable and subject to increase during the loan term. Rate is based on the Prime Rate as published in The Wall Street Journal Money Rates Table (“Index”). The Prime + 0% rate is a temporary promotional offer for new HELOCs funded on or after 12/11/2025, and is subject to change without notice. For qualifying HELOCs, the Prime + 0% rate will continue throughout the entire loan term. The minimum interest rate is 4.000%, and the maximum interest rate is 18.000%. Equity lines for owner-occupied properties have a 10-year draw period and a 20-year repayment period for a total term of 30 years. Equity lines for second homes and investment properties have a 10-year draw period and a 10-year repayment period for a total term of 20 years. Payments during the 10-year draw period are interest only. There is no annual fee or early termination fee.

The rate example shown here is based on an owner-occupied single-family home with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. Some restrictions may apply.

HELOC payment example: A HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), a 6.750% APR, and a FICO® score of 680 or greater will have a monthly payment of $1,407. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

² Second Home/Investment HELOCs have a maximum 75% CLTV and maximum line of $400,000 with a variable rate of Prime + 1.375%. Payment example: A HELOC with a loan amount of $250,000, 75% Combined Loan to Value (CLTV), an 8.125% APR, and a FICO® score of 680 or greater will have a monthly payment of $1,693.00. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

³ The ADU HELOC rate is fixed for the first 12 months, then variable and subject to increase or decrease during the loan term. ADU HELOC payment example: An ADU HELOC with a loan amount of $250,000, 80% Combined Loan to Value (CLTV), a 5.750% APR, and a FICO® score of 720 or greater will have a fixed monthly payment of $1,197 for the first 12 months. After the initial 12 months, the rate and payment are subject to change. Monthly payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation may be higher.

The rate example shown here is based on ADU construction at an owner-occupied single-family detached house located in the state of California with a maximum LTV of 80%. The actual interest rates and APRs available to you may vary based on your credit score, LTV ratio and other factors, and may be higher than the one displayed here. All loans and terms are subject to credit approval, and not all applicants will qualify. The property must be owner-occupied and located in California, and an approved permit from the County where the property is located is required. Other restrictions may apply.

⁴ No purchase necessary. A purchase will not increase your chances of winning. Odds of winning depend on number of eligible entries. One entry per primary applicant. Owner-occupied properties located in the U.S. only. Entries into the Welcome Home Sweepstakes will be accepted from May 15, 2026 through July 15, 2026. Winners will be notified by email or phone call by July 20, 2026. Four winners will be randomly selected: one (1) winner will receive $2,500, one (1) winner will receive $1,000, and two (2) winners will each receive $500. Cash prizes will be deposited into the winners’ Stanford FCU checking or savings account by August 15, 2026. See Official Rules for full details.

Home Equity

Put your home's equity to work with a loan or line of credit

Meet our Home Equity Lending Specialists

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