Home Equity Loans & Lines of Credit Rates
Competitive rates mean you’ll have more money to put toward big projects and major purchases.
More Money for What Matters
Whether you're expanding your home, planning a vacation, or making a major purchase, a larger budget helps. LAPFCU keeps rates low on home equity loans and lines of credit, minimizing interest charges so you keep more cash. Plus, enjoy complimentary End of Watch Debt Protection.1
HOME EQUITY LOANS
Effective Date: November 13, 2025
| FIXED RATE APR* | |
|---|---|
| Fixed Rate Equity Loan | Up to 80% Loan to Value% |
| Up to 84 months | 7.25% |
| 85 – 120 months | 7.25% |
| 121 – 180 months | 7.38% |
| 181 – 240 months | 7.88% |
*
APR = Annual Percentage Rate. 7.250% fixed APR is based on a loan term of up to 84 months. Minimum loan amount $25,000. Maximum loan-to-value is 80% for owner occupied properties, and 70% for non-owner occupied properties. Maximum term on owner occupied properties is 20 years, and 15 years on non-owner occupied properties. Loans available on 1-4 units, CONDO and PUD. Property hazard insurance is required. Loan amounts greater than $400,000 require a full appraisal. Home Equity Loans are available for properties located in California, Arizona, Colorado, Idaho, Montana, Nevada, Oregon and Utah. 7-year rate term payment example (effective date June 3, 2024): $35,000 loan with 7.250% fixed APR for 84 months would cost $15.22 per $1,000 borrowed. All loans are subject to credit approval and applicable LAPFCU policies. $500.00 fee for early termination if closed prior to two (2) years. All advertised rates and terms are subject to change without notice. Your actual payment may vary. Restrictions apply, ask for complete details.
HOME EQUITY LINE OF CREDIT
| Variable APR** | Home Equity Line of Credit (HELOC) |
|---|---|
| 5.74% 12-month introductory APR, followed by 7.50% variable APR** | Up to 80% Loan to Value |
| Minimum Line $25,000 |
**
APR = Annual Percentage Rate. 5.74% fixed introductory rate will continue for twelve (12) months. After the introductory rate period ends, a variable rate of 7.50% APR (effective rate date of November 3, 2025) based on your loan amount. The APR does not include costs other than interest. Loan amounts can range from a minimum of $25,000 to a maximum of $1 million, there is a minimum draw of $5,000 at funding, and up to maximum combined loan-to-value (CLTV) of 80% for owner-occupied or second-home properties located in California only. Variable rates may increase or decrease daily during the term of the agreement and is tied to the (WSJ) Prime Rate + 0.50% margin. Minimum rate of 2.90% and a maximum rate cap of 18%. Property hazard insurance is required. Closing costs are waived for loan amounts of $250,000 or less. For loan amounts greater than $250,000, the estimated closing costs can range from $2,000 to $3,000 depending on the loan amount. Fees apply for member-requested services, such as mobile notary, title changes, and solar documents on home equity lines of credit for amounts that are less than $250,000. All loans are subject to creditworthiness. $500.00 fee for early termination if closed prior to two (2) years. The HELOC term is 25 years (10-year draw period of interest only payments followed by a 15-year repay period of principal and interest payments). All rates and terms are subject to change without notice. This limited-time fixed introductory rate promo offer is subject to change or cancellation at any time and other restrictions may apply, ask for details.
LAPFCU is a full service financial services provider for sworn and civilian law enforcement professionals of federal, state, county, and city agencies and their family members in Southern California.