Home Equity Line of Credit (HELOC) - Tech CU
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  • Home Equity Line of Credit

    If you want to access funds now and in the future consider a home equity line of credit.

    Re-do your kitchen. Make sure your child's college tuition is ready to go. Or, simply have access to cash on hand when you need it. You can even set up your equity line as an overdraft source for your Tech CU checking account. Rates as low as 3.50%.3

     

    Check out these benefits:

    • Fast turnaround: Loan approval within one business day.**
    • Convenient access: We're committed to getting papers ready to sign quickly. If you can't get to our offices, we'll bring them to you!
    • Break free from the fee: If your current lender charges an early closure fee, we'll pay it up to $500.  

    For more information about our Home Equity Line of Credit, contact us at (877) 988-0471.  

    Home Equity Line of Credit
    Term* Maximum LTV 1 Amount Annual
     Percentage Rate
     
    25 years 50% $750,001 – $1,000,000 4.00%2  
    25 years 60% $500,001 – $750,000 4.00%2  
    25 years 70% $251,000 – $500,000 4.00%2  
    25 years 70% $10,000 – $250,000 3.50%3  
    25 years 75% $10,000 – $250,000 4.00%4  
    25 years 80% $10,000 – $150,000 4.25%5  
    25 years 80% $150,001 - $250,000 4.50%6  

    Home Equity Line of Credit features:

    • No Cost Loans6 — no application fees, no closing costs and no annual fee.
    • Use the funds you need — only pay interest on what you use.
    • Available as an overdraft protection source for any Tech CU checking account.
    • Access funds anytime through Online Banking, Call-24 Phone Banking, and convenience checks.
    • Available for owner-occupied properties in California of 1-4 units.
    • Interest-only payments for the first 10 years of the loan; then fully amortized to include principal and interest over the next 15 years.
    • For more information, see the Home Equity Line of Credit Disclosure (PDF).
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