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Home Equity Loans

Home Equity Loans and Lines of Credit are a great way to access the equity you’ve built in your home!

Prime + 0% for the life of the loan

New! Finance an Accessory Dwelling Unit (ADU) at Prime minus 1% fixed for the first 12 months!*

HELOC remodel

Apply today to enjoy Prime + 0% for the full term of your new Home Equity Line of Credit (HELOC). Use the funds for a remodeling project or pay off debt—there are no payments until you actually use the line of credit.


  • Variable rates as low as 8.500% APR
  • Easy application and approval process
  • No points, no annual fee and no lender fees (some third-party fees will apply)
  • 10-year draw period and 10-year repayment period
  • Refinance an existing HELOC to Stanford FCU
  • Finance a California ADU (granny flat, in-law unit, backyard cottage) on your owner-occupied property to enjoy Prime minus 1% fixed for the first 12 months*

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Also known as second mortgages, HELOCs and second deeds of trust, you can borrow up to 80% of your home’s equity at a low rate and use the funds for any purpose.

Example:

 

Your home is valued at $2 million (80% = $1,600,000)
Your mortgage balance is $600,000
You can borrow up to $1 million ($1,600,000 - $600,000)

Features for both loans

 

Use the funds for any purpose: Home remodel, college tuition or debt consolidation
No points, no annual fee and no lender fees (some third-party fees will apply)
Owner-occupied and second-home properties only
Loan amounts up to $1 million
Foggy forest in the mountains

Home Equity Loan

  • Low, fixed interest rate
  • Up to 20 years to repay

Home Equity Line of Credit (HELOC)

  • Low, adjustable interest rate
  • 10-year draw period and 10-year repayment period
  • Interest-only payments during the initial 10-year draw period

Home equity loan rates

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Home Equity Loan Interest Rate APR Monthly Payment
HELOC (variable) 8.500% 8.500% $1,771 (240 payments)
15 Yr Fixed Second Mortgage 7.750% 7.839% $2,353 (180 payments)
20 Yr Fixed Second Mortgage 7.990% 8.063% $2,090 (240 payments)
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Effective 12/20/23

Home Equity Lending Specialists

denise butler

Denise Butler

Home Equity Lending Specialist

NMLS #723524

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Amelia Custodio

Amelia Custodio

Home Equity Lending Specialist

NMLS #1347214

Apply Now
katherine selga

Katherine Selga

Home Equity Lending Specialist

NMLS #719350

Apply Now

Mortgage details you need to know

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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.