Home Equity Loans

• Competitive rates for larger, one-time needs:¹
  • Education expenses
  • Major life events
  • Home remodel projects
  • Debt consolidation
  • And more
• The existing equity in your home is used as collateral backing
• Line of credit also available (see below)
• Finance up to 85% CLTV; up to a maximum of $150,000
• No prepayment penalty
• Local decision-making and processing right here in the Greater Sacramento area
• Helpful, customized service throughout the entire process 

Wondering if a home equity line of credit is better for you? Your friendly and knowledgeable HCCU Member Home Finance Specialist can answer your questions at 916.364.1700.

We’ve made it easy to view your home equity loan or line of credit. Whether you want to check your balance, review transactions or make payments, you can access it all directly through your HCCU Online Banking Account or log in from here.

Unlike a traditional home equity loan, once approved you can access your line of credit as much or as little as you want. 

• Competitive rates for a wide range of ongoing expenses:¹
  • Home improvements
  • Medical expenses
  • Renovation projects
  • And more
• Direct, anytime access to funds without reapplying
• Revolving credit – when you repay, your limit is replenished for future borrowing
• Affordable payment plans
• Only pay interest on the part that's used
• Enjoy variable rates for the life of your loan
• Finance up to 85% CLTV; up to a maximum of $150,000
• Local decision-making and processing right here in the Greater Sacramento area
• Helpful, customized service throughout the entire process