*APR = Annual Percentage Rate. Rates are based on your credit profile. Rates and Terms are subject to change without notice. For illustrative purposes, if you were to advance $100,000.00 from your Home Equity Line at a 7.00% APR and repay the balance over a 15-year (180-month) repayment period, your estimated monthly payment would be approximately $898.83. This payment example assumes the full amount is drawn at one time and repaid in equal monthly installments over the 180-month term. Actual payments may vary based on your specific loan terms, outstanding balance, fees, or changes to your rate or repayment structure. This example is provided for disclosure purposes only and does not constitute a commitment to lend. APR (Annual Percentage Rate) is as of June 3, 2026 and Prime rate (index), currently at 6.75% as of December 11, 2025 minus a 1.250% margin and may be subject to adjust monthly. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions. Best rate quoted for primary residence. California properties only. $425 processing fee applies for loan amounts up to $250,000; $600 processing fee, $575 underwriting fee, $81 tax service fee for loan amounts over $250,000. A full appraisal is required for loan amounts over $399,999. Rate is valid up to 80% combined loan to value ratio (CLTV). Loans are subject to credit approval. Lifetime cap is 6.000% above current fully indexed rate. Payments based on 1% of the outstanding balance. We do not finance mobile or modular homes. Rates may be higher for 3-4 unit properties. The traditional fixed equity loan offers; *APR = Annual Percentage Rate. Rates are based on your credit profile. Rates and Terms are subject to change without notice. Minimum loan amount $10,000. BCCU will cover standard loan closing costs only. Any fees beyond customary closing costs are the responsibility of the applicant. There is a $150 processing fee. For illustrative purposes, if you were to advance $100,000.00 from your Home Equity Line at a 7.00% APR and repay the balance over a 15-year (180-month) repayment period, your estimated monthly payment would be approximately $898.83. This payment example assumes the full amount is drawn at one time and repaid in equal monthly installments over the 180-month term. Actual payments may vary based on your specific loan terms, outstanding balance, fees, or changes to your rate or repayment structure. This example is provided for disclosure purposes only and does not constitute a commitment to lend.An adjustable rate credit line secured by your home that offers;
Loan Type Financing Terms *APR
Prime Equity Line of Credit Up to 80% loan to value, or $200,000 whichever is less Draw period 10 years
Repayment period up to 15 yearsAs low as
6.50% *APR
Loan Type Financing Terms *APR
Fixed Equity Home Loan Up to 80% loan to value, or $200,000 whichever is less 5, 7, 10, or 15 years available As low as
6.00% *APR
