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  • Home Equity Loan

    A Tech CU Home Equity Loan provides you with a single lump sum, with a fixed rate and payment for the life of your loan

    • No Cost Loan1 - no application fees, no closing costs, no prepayment penalty and no annual fee.
    • Finance charges paid may be tax deductible (consult your tax advisor).
    • Receive the funds in one lump sum payment as soon as your loan closes.
    • Fixed rate and payments throughout the term of the loan.
    • Available for owner-occupied properties in California of 1-4 units. Investment Property Equity Loans also available.
    Home Equity Loan
    Term Maximum LTV2 Amount Annual
    Percentage Rate
    Example Payment
    per $10003
    15 Years 75% $25,000 - 500,000 4.875% $7.85
    20 years 75% $25,000 - 500,000 5.510% $6.89
    15 Years 80% $25,000 - 500,000 5.125% $7.98
    20 years 80% $25,000 - 500,000 5.75% $7.03


    For advertisement only. Rates and terms subject to change without notice. Additional conditions and restrictions may apply. 

    1 We absorb all costs associated with establishing your loan, which generally total funding between $140 and $2,000 depending on the loan amount. If your loan amount is over $200,000 and you pay off the balance and close the account in the first year of funding your loan, you will pay a $750 Early Closure Fee.
    2 Maximum loan amount and loan to value (LTV) calculated as a percentage of appraisal minus the first mortgage. Actual LTV may be lower based on conditions and/or restrictions.
    3 Payment per $1000 is based on highest rate with maximum term.