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Home Equity Loans

Put your home’s equity to work for the things that matter most.

Use the equity in your home to access funds for life’s important goals, from home improvements to consolidating debt or covering major expenses.

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Home Equity Line of Credit (HELOC)

Home Equity Loan

Home Equity Line of Credit (HELOC)

The freedom to borrow as much or as little as you need.

Special Offer: 3.99% APR* 6-Month Intro Rate (rates based on WSJ Prime Rate after intro)
6-Month Intro Rate is for primary residences only
Use the equity in your home for home renovation, debt consolidation, or life’s unexpected expenses.
Variable rate loan
20-year HELOC: 10-year draw with a 20-year amortization
Repayment of waived closing costs required if HELOC is closed in first 3 years
Financing for up to 95% of your home’s value
Loan Payment Protection options
Interest on a home equity loan may be tax deductible
Online & Mobile Banking
Monthly Statements
End-of-Year Member Reward Dividend

*Annual percentage rate, on approved credit, subject to change & loan-to-value requirements. Introductory APR applies for six months from the loan’s closing date and is for primary residences only. Thereafter, the variable rate is based on an index and margin, with a maximum 18% APR. The lowest APR is currently 6.75%. Underwriting conditions, homeowner’s insurance, and other fees may apply. Consult a tax advisor regarding the deductibility of interest. Federally insured by NCUA. Equal Housing Opportunity Lender.

Submit application

Home Equity Loan

Enjoy a fixed term/rate, and consistent monthly payments

Use the equity in your home for home renovation, debt consolidation, or life’s unexpected expenses
There are 5, 7, 10, and 15 year terms available
Financing for up to 95% of your home’s value
Loan Payment Protection options
Interest on a home equity loan may be tax deductible
Online & Mobile Banking
Monthly Statements
End-of-Year Member Reward Dividend

Submit application

"I am so very fortunate to have a historically low 3% interest rate on my home mortgage. With rates much higher today, my plan is to never refinance my 1st mortgage. I recently needed around $15k for an unexpected expense, and was able to secure an amazing rate by opening a HELOC. I like how it's a line of credit than I can draw from anytime for the exact amount I need."

First Californian Member

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Home Loan Rates

Rates up to date as of January 8, 2026. Rates subject to change without notice.

All Home Loans	Term	APR
First Mortgage	15, 20, & 30-years	Call 951-267-9951 for today's rates
First Mortgage	5, 7, & 10-years	As low as 4.99%³
Construction Loan¹	1-year	As low as 6.25%
Lot Loan (Improved)²	2, 3, 4, & 5-years	As low as 7.00%³
Lot Loan (Unimproved)²	2, 3, 4, & 5-years	As low as 8.50%³
Home Equity Loan	5, 7, 10, & 15-years	As low as 5.49%³
Home Equity Line of Credit (HELOC)	10-year Draw & 20-year Amortization	WSJ Prime Rate
HELOC Intro Rate *(Limited-Time Offer)*	6-months	3.99%

APR = Annual Percentage Rate. Membership required, on approved credit, and rates subject to change at any time without notice.
1. Loan to Cost = 90%, Loan to Value = 80%.
2. Max Loan to Value of 80% on Improved Lot Loans and 60% on Unimproved Lot Loans.
3. Lowest rate available for shortest term offering only, please contact credit union for specific rate options based on term.

For more information visit Terms & Conditions, Current Rates, and Fee Details.