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ONLINE BANKING Login New User

F&A Fixed-Rate Home Equity Loan

Let your home’s equity help you pay off your debts. 

This loan has no application fees and offers loan amounts up to $500,000. With rates as low as 3.990%, it’s a money-saving option perfect for consolidating debt, paying off first mortgages, or covering any major expense. 

For a limited time, just in time for spring, get a Home Gardening Kit with your funded F&A Fixed-Rate Home Equity Loan! 

To apply for an F&A Home Equity Loan, please go to Online Banking, click All Services and select New Application and Status. You can also call us at 800-222-1226.

Rates are effective as of January 1, 2019 and are subject to change without notice. Loan rates are based on the Combined Loan to Value Ratio (CLTV), loan term and credit score of the primary borrower. Owner-occupied CA, AZ, NV properties only. Additional CLTV restrictions apply to properties outside of CA, second homes and 2-4 unit properties. Rates 0.50% higher for second homes. Maximum CLTV reduced by 5% for loans over $250,000. Upfront costs are waived or paid by the Credit Union. All rates include a 0.50% reduction for automatic payment. Other terms and conditions apply. Representative Example: Make 83 monthly payments of $341.60 and a final payment of $341.06 at 3.990% APR based on $25,000. 365-day calculation method utilized. 

 

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