Home Equity Line of Credit

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A Home Equity Line of Credit (also known as a HELOC) may be right for you if you have a recurring expense such as college tuition or are making home improvements.
For a limited time, get:
4.95%APR* Introductory Rate for 1 year / 5.50%APR* Current Variable Rate
A $100 gift card.** It's a special housewarming gift from us to you!
  • Borrow up to 80% of the appraised value of your home up to $250,000 for owner-occupied property
  • Flexible open-end loan with a variable rate
  • 10-year draw period and a 25-year repayment period
  • Interest is paid only on the money you use
  • Interest may be tax deductible, so check with a tax advisor
  • Access funds anytime by:
  • Property must be located in California
  • Eligible properties include one to two family homes, condominiums, and double-wide manufactured homes on a permanent foundation
  • Property insurance required on all properties being used as collateral
  • Flood insurance may be required

Apply Now

or apply by phone at 858-487-1880 (toll-free at 855-487-1880)

Easy ways to make loan payments

NMLS #756614

1Check with your tax advisor.

*APR=Annual Percentage Rate. Rates effective 05/06/2019 for new Home Equity Lines. Please call NCCU at 858-487-1880 for current rates. Hazard, flood and title insurance and NCCU membership are required on all Home Equity Lines. California owner-occupied residences only. All loans subject to credit approval. Home Equity Line Introductory APR is “discounted” for the first twelve billing cycles. Our standard fully-indexed APR will commence beginning the thirteenth billing cycle. Our standard APR is based on the Wall Street Journal Prime Rate (Prime + 0%). When a range of prime rates is published, the highest prime rate applies. Rate varies monthly. Maximum APR is 14%. Minimum APR is 5%. NSF charge is $30. Late payment fee is 5% of payment or $10.00, whichever is greater. Over-the-limit fee is $18. Annual fee of $25 is waived for the first year and any year with an outstanding balance of $20,000 or more. The minimum initial credit advance that you can receive is $10,000. 
**Offer subject to change without notice. $100 gift card offer is given at closing of a Home Equity Line or Loan, or Mortgage, financed by North County Credit Union or its mortgage service provider, Members Loan Services. Offer valid for loan applications received between May 6 to July 31, 2019. Approved loans must be funded by September 30, 2019. Home Equity Lines applicants must also make a minimum $10,000 initial credit advance to be valid. Offer many not be combined with any other promotional offer.