Happy family near new home. Real estate background.
  80% LTV
Term APR* as low as
7 Yr 5.75%1 OAC
10 Yr 6.15%2 OAC
15 Yr 6.25%3 OAC

The best part about owning a home is the equity you have in it.

Our Home Equity Fixed Rate Loans can help you with any home improvements, vacations, debt consolidation or whatever else you may need it for. For more information about our Home Equity Loans you can speak to one of our Loan Officers at (530) 257-7736. When you’re ready to consolidate your debts, make home improvements, or pay off education or medical bills, a Home Equity Loan can be an excellent financing choice.

Which home equity option is right for you?

  • First, decide whether you want a line of credit or a fixed rate loan
  • Choose a Home Equity Line of Credit (HELOC) if you want easy access to your home’s equity but don’t need it all at once
  • Choose a home equity fixed loan if you want to receive the entire loan amount at once

Contact one of our representatives in the Loan Department at (530) 257-7736. We’ll walk you through the entire process and help you secure the best program and interest rate available to you.

Click to view Current Loan Rates.

Click to view Home Equity Disclosure

Representative Example: A 120 month Home Equity Line of $20,000 at 6.00% APR would require 120 payments at $222.10 with one final payment of 185.00.

 

 

*Annual Percentage Rate is based on credit score and term.  Late fee is $25. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the credit union for APR, terms, and conditions on HE loans. Not available for refinance of an existing Lassen County Federal Credit Union HE loan. Rates are effective as of 3/1/2015 1Example of 5.75% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $362.18 amortized over 84 months.  Rate of 5.75% APR is only available for terms amortized for up to 7 years with a CLTV of 80% or less. Rates, APR’s, terms and conditions subject to change without notice.  Subject to property valuation.  Limited to a single family residence located in Lassen or Plumas County.  Mobile homes 15 years old and newer on a permanent foundation have a CLTV no greater than 80%.  Loans secured by your home other than your first mortgage must be paid off at the time of account funding.  Other restrictions on property may apply.  Property insurance required.  Flood insurance may be required.  Other programs, rates, and terms may be available. 2Example of 6.15% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $279.42 amortized over 120 months.  Rate of 6.15% APR is only available for terms amortized for up to 10 years with a CLTV of 80% or less. Rates, APR’s, terms and conditions subject to change without notice.  Subject to property valuation.  Limited to a single family residence located in Lassen or Plumas County.  Mobile homes 15 years old and newer on a permanent foundation have a CLTV no greater than 80%.  Loans secured by your home other than your first mortgage must be paid off at the time of account funding.  Other restrictions on property may apply.  Property insurance required.  Flood insurance may be required.  Other programs, rates, and terms may be available. 3Example of 6.25% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $214.36 amortized over 180 months.  Rate of 6.25% APR is only available for terms amortized for up to 15 years with a CLTV of 80% or less. Rates, APR’s, terms and conditions subject to change without notice.  Subject to property valuation.  Limited to a single family residence located in Lassen or Plumas County.  Mobile homes 15 years old and newer on a permanent foundation have a CLTV no greater than 80%.  Loans secured by your home other than your first mortgage must be paid off at the time of account funding.  Other restrictions on property may apply.  Property insurance required.  Flood insurance may be required.  Other programs, rates, and terms may be available.

 

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