Put your equity to work.
5.75% APR* HELOC 6-month intro rate.
After, as low as 6.75% APR.
Available only in CA and ID.
Make your next big move
Use your home’s equity to move forward confidently with a no fee*, introductory rate HELOC (Home Equity Line of Credit) from Tech CU. Whether you’re looking to reinvest in your education, remodel your home, consolidate higher-interest debt, or make a major purchase, a HELOC is the smart way to fund your future.
Our Tech CU HELOC also has an outstanding 5.75% APR* intro rate for the first 6 months, and then rates as low as 6.75% APR.
Plus, you get even more:
- No application fees, no annual fees, no transfer fees, and no closing costs
- Pay interest only on what you use
- Keep payments low with interest-only payments for the first 10 years
- Access your funds anytime with easy transfers in Digital Banking
- Available for owner-occupied properties of 1-4 units in CA and ID
Apply today for a better tomorrow
Opening a Home Equity Line of Credit is simple with Tech CU.
Members can apply directly through Online Banking. Go to the “Open New Account” tab on your dashboard.
Other ways to apply:
Apply OnlineMake An Appointment
Visit a BranchCall 877-988-0471
“The application process was seamless, quick, and we were kept informed along the way, from the initial meeting when we were first considering a HELOC loan to funding. Our banker explained the process thoroughly and made sure all of our questions were answered. We would love to work with Tech CU again in the future. Thank you!” - Danny A., Member Survey
“My banker at Tech CU is awesome!! I just got an auto loan. Now I'm going to look at a HELOC with Tech CU given the great service :)” - Christopher N., Member Survey
“We've been with Tech CU for years and years. They have always been extremely helpful and professional in all financial services. Home mortgage, HELOC, savings, etc. All been great!” - James Z., Member Survey
See full disclosures:
- For California: Home Equity Line of Credit Disclosure – CA
- For Idaho: Home Equity Line of Credit Disclosure - ID
*5.75% introductory APR (Annual Percentage Rate) for the first six months - 2.99%-18.00% APR thereafter, based on the then-current Wall Street Journal prime rate plus margin, which is 6.75% - 7.25% APR as of 4/1/2026. Rates are variable and based on creditworthiness, property value and loan amount. You will not be charged origination or transfer fees, however, if you pay off and close your Line of Credit within three (3) years, the following may apply: (i) for California residents, an early closure fee between $500 and $1,500, (ii) for Idaho residents, reimbursement of some or all of the third-party origination fees that Tech CU paid on your behalf. Not available on refinances. Loans subject to approval. Available only for applications received prior to October 1, 2026. Available for applicants without an existing Tech CU home equity line of credit. Promotion may be modified at any time. Additional terms and conditions may apply.
