Home Equity Loans & Lines of Credit (HELOC)

Consolidate debt or get money for major projects or purchases

Enjoy a quick closing process and get your money sooner

Borrow up to 80 percent of your home’s value1

Pay for Any Need

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

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


Consider if you :

  • Need to finance one large expense now
  • Want to consolidate high-interest debt
  • Prefer a loan with a fixed-monthly payment
  • 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 :

  • Are unsure how much you may need to borrow
  • Need funds over time for a project/event or multiple expenses 
  • Want a safety net for emergencies
  • 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


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

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

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 and civilian professional employees of police and sheriff's departments and their family members in Los Angeles, Orange, Riverside, San Bernardino and Ventura counties.