Our HELOC Can Help Make Expenses Manageable. 

This spring, if you’re looking to build that deck, have your house painted, or take care of some other big expense, look to F&A. Our Home Equity Line of Credit (HELOC) has low rates*, no annual fees or loan costs. 

Even if you're not planning a major expense, our HELOC is also 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.  

Home Equity Line of Credit programs are based on credit score of the primary borrower or co-borrower, whichever middle score is lower. Owner-occupied California, Arizona and Nevada properties only. Combined loan-to-value (CLTV) limits apply. Additional CLTV restrictions apply to properties outside of California, 2nd homes and 2-4 unit properties. The annual percentage rate (APR) is variable and may vary. The maximum APR for a Home Equity Line of Credit is 15.00%. Hazard insurance and flood insurance (if in a flood zone) is required. Upfront costs are waived or paid by the credit union. 10-year draw period with interest only payments followed by 15-year no-draw amortization. Additional terms and conditions apply. Not all applicants will qualify. All stated APRs and discounts are subject to change without notice. Please consult your tax advisor to determine if Home Equity interest and fees may be deductible. NMLS# 421486