Life can be costly. Fortunately, F&A offers a Home Equity Line of Credit (HELOC), with a variable rate as low as Prime minus 0.50%.

Whether it's for home improvements, college tuition, or practically any expense, this credit line leads the industry with no annual fees or loan costs, and a variable rate as low as 2.750% APR.

Our HELOC also makes an excellent emergency line of credit to use whenever it's needed.

To apply for a Home Equity Line of Credit, please visit our mortgage center or call us at 800-222-1226. 

Credit lines up to:



Rates as of 9/1/2021 and are subject to change. Home Equity Line of Credit programs are based on credit score of the primary borrower or the co-borrower, whichever middle score is lower. Owner-occupied California, Arizona and Nevada properties only. Additional CLTV restrictions apply to properties outside of California, 2nd homes and 2-4 unit properties. The annual percentage rate may vary. The maximum APR for a Home Equity Line of Credit is 15.00%. Property insurance is required. Upfront costs are waived or paid by the credit union. 10-year draw period with interest only payment followed by 15-year no-draw amortization. Other terms and conditions apply. NMLS# 421486

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