Home Equity Line of Credit


Your home’s equity can be an excellent source of funding for home improvements, debt consolidation, and emergency cash. With a Home Equity Line of Credit at First Californian, you can be sure you make the most of that equity.


Commonly known as a HELOC, a home equity line of credit is an open ended line of credit much like a credit card. But unlike a credit card or any other type of consumer loan, HELOC’s typically have lower interest rates and the interest on a HELOC may be tax deductible.


First Californian’s Home Equity Lines of Credit offer:


  • Rates as low as 4.00% APR1-3 View Rates
  • Fast processing
  • Waived closing costs4
  • Borrow up to $500,000
  • Financing of up to 90% of your home’s value
  • Interest paid may be tax deductible—check with your tax advisor

Apply Online for a Home Equity Line of Credit


The First Californian application form takes only minutes to complete.

There is no obligation to activate the loan, and approvals are valid for 30 days. If your application is approved, you will be contacted by one of our knowledgeable loan officers with instructions.

Click Here for loan options, rates, and disclosures .

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1 Annual percentage rate will be calculated using the Prime Index calculated from the Wall Street Journal Prime Rate plus a margin, with a floor of 4.00%. The margin will be determined at time of loan approval. Maximum annual percentage rate over the life of the loan is 18%. Some restrictions may apply. Rates subject to change. The credit union is currently offering two different Home Equity Line of Credit Loans. On Approved Credit.
2 Prime Rate as published in the Wall Street Journal, Western Edition on the last business day of each calendar quarter.
3 Interest rates will be determined by the amount financed, the loan term, and your credit history.
4 For owner-occupied properties only: If line closed within 3 years, closing costs waived will be owed. Initial advance of $3,000.00 is required. If closed early a $400.00 fee will be assessed.

For additional information, to schedule an appointment, or to begin an application, please contact us today!


  • Call us at 951.755.5572 or toll-free 877.992.8663, Monday – Friday 9 am – 5 pm
  • Visit any of our convenient branches
  • Email us at loans@amucu.org

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951.267.9951