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

Home Equity Pay$

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 guarantees2
  • 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, non-sworn, and professional employees of police and sheriff's departments and their family members in Los Angeles, Orange, Riverside, San Bernardino and Ventura counties.