HOME EQUITY LINE OF CREDIT (HELOC)
4.99% fixed introductory APR for 12 months, followed by a variable 7.25% APR1
21-day funding guarantee2
Low, interest-only payments for 10 years
IMAGINE THE POSSIBILITIES
A HELOC is a revolving credit line secured by the equity you’ve built in your home. It’s smart, flexible way to pay for any need.
Access funds when you need them. Pay interest on only what you borrow. Use your credit line again as you repay.
- Open line of credit for ongoing access
- No closing costs on loans $250,000 or less
- No annual fees
- Loans up to $1,000,000
- Borrow up to 80% of your home's value
FUND WHAT MATTERS
Use your home's equity to:
- Consolidate high-interest debt into one lower payment
- Remodel or repair your home
- Pay property or income taxes
- Cover unexpected expenses
- Fund major life events
- Help cover tuition expenses
LIMITED-TIME OFFER
- Secure a 4.99% fixed introductory APR for 12 months, then move to a competitive variable rate
- Get funds in as few as 21 days
- Pay interest only for the first 10 years
- Includes End of Watch Debt Protection at no cost!3
SIMPLE PROCESS, FAST ACCESS
It's easy to apply. Get personal support and close fast. When you need funds, pay by check or via mobile or online banking.
Apply for a HELOC today and access your home's equity!
HOME EQUITY = Your home's current value minus the amount you owe on it
CONSIDER A HELOC IF YOU:
- Need flexibility for ongoing expenses
- Expect costs over time, not all at once
- Want a financial safety net
- Prefer to access future funds without reapplying
FIND THE RIGHT SOLUTION FOR YOUR GOALS
We can help determine the best way to meet your specific 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!
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!
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.
EDUCATIONAL RESOURCES
FREE LIVE WEBINARS
Home Equity Loan
APR as low as
7.13%
*
Home Equity Line of Credit
APR as low as
Variable Rate
*
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.
Other members also like
Credit Cards
From your first card to earning rewards and everything in between - we have a credit card that will fit your needs.
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.