Your home is one of your most valuable assets — put it to work. Whether you're funding a home improvement project, consolidating high-interest debt, or covering a major expense, TCCU's home equity loans give South Bay homeowners two flexible options: a variable-rate HELOC and a Prime Home Equity Fixed Loan.
Home Equity Line of Credit
4.00% APR* for 12 months
The TCCU HELOC is our most popular loan. Borrow up to 80% of your home’s value (max $200,000). Repayment is based on a 25-year term.
The intro rate is available only for first-time TCCU HELOCs. A loan officer will guide you through required documents.
*APR = Annual Percentage Rate. Rates range from 12.50% to 15.00% depending on qualifications. Subject to change every six months after intro period. Max rate capped at 18%.
Prime Home Equity Fixed Loan
Rates start as low as 6.75% APR. 15-year amortization with a 5-year balloon payment. Interest may be tax-deductible (consult your tax advisor).
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TCCU NMLS 777129