Home Equity Loans & Lines of Credit (HELOC)

Consolidate debt or get money for major projects or purchases

Borrow up to 80 percent of your home’s value1

Enjoy a quick closing process and get your money sooner
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Pay for Any Need

We'll help you use your home’s equity to get the cash you need. Why go through us?

  • We help you decide which product best fits your needs  
  • You'll get your money sooner, thanks to our 21-day on-time closing guarantee2
  • Enjoy complimentary End of Watch Debt Protection3

HOME EQUITY LINE OF CREDIT (HELOC)

Consider if you :

  • Are unsure how much you need to borrow
  • Need funds over time for a project/event or multiple expenses 
  • Want a safety net for emergencies
  • Open-ended credit line to borrow as needed
  • 12-month fixed introductory rate, followed by variable-rate: After the first year, your interest rate and payment may fluctuate
  • Credit lines up to 80% of your home’s value
  • Easy access to funds through checks and digital banking

HOME EQUITY LOAN

Consider if you :

  • Need to finance a large expense now
  • Want to consolidate high-interest debt
  • Prefer a fixed-monthly payment
  • Borrow money in one lump sum (no additional funds available)
  • Fixed-interest rate and steady payments makes budgeting easier 
  • Borrow up to 80% of your home’s equity
  • Interest payments may be tax-deductible (consult your financial advisor)

It's your home's current market value minus the amount you owe on it.

Questions?

We can help determine the best way to meet your needs! Call (877) 695-2732 or email us. 

Our house was old when we bought it, and desperately needed repairs. LAPFCU got us into an affordable home equity loan, and that made all the difference! We were able to make all the necessary repairs, and still had money left to do some decorating!
John S.
When my daughter was accepted to college, I realized I hadn’t put enough money aside. I called LAPFCU, and they helped me get a home equity loan with affordable monthly payments so I could send my daughter to her dream school. Thanks, LAPFCU!
Silvia R.
I have been a member since 1970. I had to take out an equity line of credit, and the Associates were so helpful! They helped this old guy out and made the experience painless. Thank you.
Dwight G.
Home Equity Loan
APR as low as
7.25% *
Home Equity Line of Credit
APR as low as
Variable Rate *
View all Rates

Yes, you can use Quick Pay to make one-time or recurring payments, on your LAPFCU loan, from another financial institution. Access Quick Pay in online and mobile banking.

Log in > Go to Transfers & Payments tab > Quick Pay

We do not offer this service at this time. Please contact us at (877) 695-2732 or start a secure chat with us in online or mobile banking for assistance.  

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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.