Home Equity Loans & Lines of Credit

For home improvements, refinancing, bill consolidation and financing college educations . . . you'll feel right at home with a California Coast Credit Union home equity loan!

Equity Advantage Line of Credit

The savings add up fast with California Coast's Equity Advantage Line with no points, no fees, or closing costs.* What's more, an interest-only feature can help make your monthly payments even more affordable. And since an Equity Advantage Line lets you finance up to 80% of your home's available equity to a maximum of $250,000, you'll have the cash you need to make your dream home a reality.

Your home's equity is as good as cash. Our Equity Advantage can give you ready access to your equity in a powerful, revolving credit line. Apply online today and get the cash you need in about 3 weeks.

  • No lender fees, no annual fee, and no closing costs*
  • An interest rate as low as 3.98% APR and a maximum rate of just 12% APR**
  • A convenient Visa credit card or personal checks to access your equity line
  • Low Interest-only payments and draw period for 10 years
  • 15-year payment term begins after the 10-year draw period
  • Loan advances can be taken as needed, and interest is charged only on the funds in use
  • Interest payments are usually tax-deductible (Consult your tax advisor)

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Fixed Rate Equity Loan

With California Coast's Fixed Rate Equity Loan, you could remodel your home, fix the rate on part of your current equity line and/or keep part of your current equity line and lock into a lower monthly payment.

  • No points
  • No annual fee
  • No lender fees
  • No Closing Costs*
  • Loan amounts up to $250,000
  • Interest payments are usually tax-deductible (Consult your tax advisor)

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 Or  Call (877) 4 LOW LOANS

*Closing costs up to $650 waived if the loan remains open for 36 months from the date of loan funding. Closing costs include credit report, document preparation, tax service and similar fees.
**The annual percentage rate (APR) is available for owner-occupied properties in CA, is effective as of 4/1/11 and assumes excellent credit. The APR may vary based on the Prime Rate as published in the Wall Street Journal and adjusts a maximum of .5% monthly. The maximum APR (Lifetime Cap) is 12%. The minimum APR (Floor Rate) is 5%. Minimum $10,000 advance required at closing. Loans available for vacation/second home and investment/rental properties in CA at different rates and terms. Subject to credit approval. Some restrictions apply. Rates and terms subject to change. Click here to view current rates or call (877) 495-1600.