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Tap into the equity you’ve built up over time to pay for just about anything you need, whether through a closed end loan or a revolving line of credit.

Home Loans

In need of some cash for a home repair or to pay of other debts? Tapping into the equity of your home may be a great way to give yourself some financial wiggle room. Whether you’d like a closed end loan, or a line of credit, we have options for you to choose from.

Home Equity Lines of Credit

Tap into the equity you’ve built up over time to pay for just about anything you need. It’s a revolving line of credit so you’re able to use it like a credit card.

The great thing about a prime equity line of credit is that you can use it whenever the need presents itself.

Key Features
Quarterly rate adjustments based on the Prime Rate*
No Processing Fees*
Low Payments – Interest Only Option
Interest May Be Tax Deductible*

Apply for a Home Equity Line of Credit

Apply Now


*APR is Annual Percentage Rate. The variable rate APR on home equity lines of credit may vary quarterly based on the latest U.S. Prime Rate as published in The Wall Street Journal as of the first business day of the month prior to change plus an as-low-as margin of 0% APR or 3.25% APR whichever is greater for those account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit do not exceed 80% of the value of your 1-4 family owner-occupied primary residential property in CA. The variable rate APR for account holders whose total mortgage loans, including your SF Fire Credit Union Home Equity Line of Credit that are greater than 80% but do not exceed 90% of the value of your 1-4 family owner-occupied primary residential property in CA will be an as-low-as margin of 1% APR or 4.25% APR whichever is greater. Maximum APR is 18.00%. Minimum Home Equity Credit Line is $10,000. All APR Rates will vary based on credit score and Loan to Value (LTV). All APRs assume that your total 1st and 2nd trust deed loans, including your SF Fire Credit Union Home Equity Line of Credit do not exceed 90% of the value of your 1 – 4 family owner-occupied primary residential property in CA. Borrower agrees to reimburse the credit union with a $300 early termination fee if account is closed within 2 years. Borrower must pay mortgage satisfaction fees at loan termination. Property insurance is required and flood insurance may be required. An appraisal fee will be assessed on credit requests of $250,000 or more. There is no annual fee. Rates and terms are subject to change. This offer is subject to credit approval.

Fire Credit Union reserves the right to approve or decline member credit applications based on the following conditions:

Member must be the owner of primary residential real estate property located in CA in which you live, member and co-applicant must have a verifiable income and must meet our standard credit terms and policies.

Offer applies to owner-occupied 1-4 family primary residences. Purchase money mortgage loans and loans secured by mobile homes do not qualify for this offer. SF Fire Credit Union must be in a first lien position, or in a second position behind no more than one other lender in connection with its home equity line or loan on the borrower’s primary residential real estate property. The combined loan to value ratio for all loans on such property may not exceed 90%.

Member must be at least 21 years of age. This invitation to apply offer is for a home equity line of credit with a limit up to $250,000. Higher line amounts are available to those members who meet our established credit standards. The maximum amount we can lend you depends on the value of your home, your income, amount of debt, and credit history.

Please consult a tax advisor about your specific tax situation.


Home Equity Loans

Home equity loans typically suit those who plan to use money in a lump sum for a one-time expense such as consolidating debt, making a home improvement, or paying for a wedding. The interest rate is usually fixed, and so are the monthly payments, so you can budget accordingly.

Take a peek at our three Home Equity Loan options and their features.

Equity Plus Loan

  • Fixed Rate for 15 Years
  • 15-Year Fully-Amortized Term
  • No Points or Fees
  • Affordable Payment Options
  • Principal plus Interest Payments
  • Interest May Be Tax Deductible1

5/20 Equity Plus Loan

  • Fixed Rate for the first 5 years
  • 20-Year Amortized Term
  • No Points or Fees
  • Affordable Payment Options
  • Principal plus Interest Payments
  • Interest May Be Tax Deductible1

7/20 Equity Plus Loan

  • Fixed Rate for the first 7 years
  • 20-Year Amortized Term
  • No Points or Fees
  • Affordable Payment Options
  • Principal plus Interest Payments
  • Interest May Be Tax Deductible1

Apply for a Home Equity Loan

Apply Now