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Home Loans

Home Equity Loan

When you have a home improvement project in mind or need a lump sum of money to pay off debt, the SFPCU Home Equity Loan could be one of your least expensive borrowing options.

Secure a low interest rate with this loan and pay it off in monthly installments over a specific term. You also could qualify for a tax break on the interest you pay, depending on your tax situation.

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Features & Benefits

  • Low, fixed rates
  • Interest paid on the loan might be tax-deductible (please consult your tax advisor)
  • Fixed monthly payments
  • Borrow between $20,000 and $300,000
  • Payroll deduction and other convenient payment options available
Home Equity Loan
Rates Effective: September 1, 2015
TermRateAPR*
5 Year4.500%4.683%
7 Year4.875%5.019%
10 Year5.000%5.106%
15 Year5.500%5.582%

*APR = Annual Percentage Rate. Example rate of 5.750% APR with 60 monthly payments (5 Year) = $192.17 monthly per $10,000 borrowed.

Loan limits $20,000 - $300,000. Rates apply to owner occupied properties only. Maximum combined Loan-to-value is 80%. Investment properties will have additional pricing adjustments; please call for a quote.

Apply for an SFPCU Home Equity Loan today through our online loan application or by calling SFPCU at 800.222.1391. You also can visit one of our convenient branches.

Financial Services for First Responders
  • Federally insured by the National Credit Union Administration
  • Equal Housing Opportunity
  • NMLS ID# 409710

APR = "Annual Percentage Rate". Actual APR is based on your credit profile and may be higher than the lowest rate available. Posted rates may include promotional discounts and other terms and conditions. APY = "Annual Percentage Yield". Rates are subject to change without notice.

SFPCU proudly provides banking and loan solutions for police, firefighters, EMTs and other first responders and their families in CA and beyond. Member eligibility

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