Competitive rates mean you’ll have more money to put toward big projects and major purchases.
Compare current home equity loan rates and HELOC rates from LAPFCU. Choose a fixed-rate home equity loan for a set term or a home equity line of credit with a variable rate after the introductory period.
Use the funds for home improvements, major purchases, or other planned expenses. LAPFCU keeps rates low on home equity loans and lines of credit, minimizing interest charges so you keep more money.
Plus, enjoy complimentary End of Watch Debt Protection.1
Your rate and approved amount depend on your credit, loan amount, property occupancy, and combined loan-to-value ratio (CLTV).
A home equity loan provides a lump-sum with a fixed APR and scheduled payments.
| FIXED RATE APR* | |
|---|---|
| Fixed Rate Equity Loan | Up to 80% Loan to Value% |
| Up to 84 months | 7.13% |
| 85 – 120 months | 7.13% |
| 121 – 180 months | 7.25% |
| 181 – 240 months | 7.38% |
APR = Annual Percentage Rate. 7.125% fixed APR (rate effective August 20, 2026) is based on a loan term of up to 84 months. Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Minimum loan amount $25,000. Maximum loan-to-value is 80% for owner occupied properties, and 70% for non-owner occupied properties. Maximum term for owner occupied properties is 20 years, and 15 years for non-owner occupied properties. Loans available on 1-4 family dwellings. Property hazard insurance is required. Home Equity Loans are available for properties located in California, Arizona, Colorado, Idaho, Montana, Nevada, Oregon, Utah, Washington, and Tennessee. 7-year rate term payment example (effective date August 20, 2026): $35,000 loan with 7.125% fixed APR for 84 months would cost $15.16 per $1,000 borrowed. 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 loans for amounts that are less than $250,000. $500.00 fee for early termination if closed prior to two (2) years. All loans are subject to credit approval and applicable LAPFCU policies. All advertised rates and terms are subject to change without notice. Your actual payment may vary. Restrictions apply, ask for complete details.
A HELOC gives you access to a revolving line of credit secured by your home. Our current offer is 4.99% fixed introductory APR for 12 months, followed by a variable APR.
| Variable APR** | Home Equity Line of Credit (HELOC) |
|---|---|
| 4.99% 12-month introductory APR, followed by a variable APR as low as 7.00%** | Up to 80% Loan to Value |
| Minimum Line $25,000 |
APR = Annual Percentage Rate. 4.99% fixed introductory rate will continue for twelve (12) months. After the introductory rate period ends, a variable rate of 7.00% to 7.75% APR (effective rate date of September 14, 2026) based on your creditworthiness, loan amount, and other underwriting factors. 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, Arizona, Colorado, Idaho, Montana, Nevada, Oregon, Utah, Washington, and Tennessee. Variable rates may increase or decrease daily during the term of the agreement and is tied to the (WSJ) Prime Rate + 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.
Combined loan-to-value, or CLTV, compares the total amount secured by your home with the home's value. To calculate your CLTV, add your requested home equity loan or HELOC amount to your existing mortgage balance, then divide by the home's value.
Example: If your home is worth $600,000, your mortgage balance is $350,000, and you request a $100,000 HELOC, the combined balance is $450,000. That equals a 75% CLTV.
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.