Home Equity Loans & Lines of Credit (HELOC)

Consolidate debt or get money for major projects or purchases

Choose term loan or line of credit with low interest rates

Borrow up to 80 percent of your home’s value1
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Smart solutions start with Home Equity

LAPFCU can help you use your home’s equity to get the cash you need for any expense. It’s a simple and affordable way to borrow, and the process is easy and quick. Plus get access to complimentary End of Watch Debt Protection2.

HOME EQUITY LOANS

  • Borrow money in one lump sum; no additional funds available
  • Fixed-interest rate: Steady monthly payment, which makes budgeting easy 
  • Borrow up to 80% of your home’s equity
  • Home equity interest payments may be tax-deductible (consult your financial advisor)
  • Consider if you :
    • Need to finance one large expense now
    • Want to consolidate high-interest debt, such as credit cards and loans
    • Prefer a loan with a fixed-monthly payment

HOME EQUITY LINE OF CREDIT (HELOC)

  • Open-ended line of credit; borrow as much or as little as needed, when 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 online and mobile banking
  • Consider if you :
    • Are unsure how much you may need to borrow
    • Need funds over time for a large project, event, or multiple expenses 
    • Want a safety net for emergencies

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. 

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.
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.
Home Equity Loan
APR as low as
7.25% *
Home Equity Line of Credit
APR as low as
5.99% *
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.

LAPFCU app > Pay transfer > Quick pay  

Online banking > Services > 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 credit union for sworn, civilian, and professional employees of police and sheriff's departments and their family members in Los Angeles, Orange, Riverside, San Bernardino and Ventura counties.