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HOME EQUITY LINE OF CREDIT

Are you in need of a kitchen remodel, solar or a pool? 
Sierra Central can help you work that plan.
A beautiful new kitchen, featuring white cabinets, quartz countertops and brass fixtures is possible with a Sierra Central HELOC.
- Variable rate payment terms available
- Loans or Lines of Credit from $10,000 to $250,000
- Loans secured by first or second deed of trust
- Low or no cost loan fee options
- Or a small balance Home Equity Loan with minimal fees and low APR*

Payment Example: $50,000.00 line of credit balance at an estimated variable APR of 4.0%, monthly payment as low as $369.84.

NON-OWNER OCCUPIED
‍HOME EQUITY LINE OF CREDIT

Find the funds you need to make improvements to your properties and use them for any purpose. 
A variable rate, revolving credit line that allows you to borrow as much as you need, up to your approved limit.
- Monthly payment will be interest due plus 0.3% of the outstanding balance during the draw period.
- 10-year draw period, 15-year amortized repayment
- Credit lines range from $10,000 to $100,000 to qualified borrowers, up to 70% CLTV**.
- Rates will vary based on WallStreet Journal Prime Rate plus 1.25%. The APR* cannot increase to more than 18% and will not fall below 4%. Minimum credit line of $10,000 required. Credit lines up to 70% LTV**; California 1-4 residential real property only. Offer subject to credit qualifications. Rates, terms and conditions are subject to change without notice. Other limitations may apply. Ask an SCCU representative for more information.
- Borrower pays credit report, appraisal, notary, State SB2 and recording fee.  Loans in 1st lien position will include title and escrow fees. We will charge an early termination fee up to$500 of costs we paid on your behalf if the HELOC closes within 36 months of opening.  $100Annual Fee.

*APR = Annual Percentage Rate
**CLTV = Combined Loan-to-Value

Get Connected with a Home Equity Specialist
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If you’re looking for a home equity lender who understands your financial situation and your personal goals, let Sierra Central Credit Union help you with your home equity needs.
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Stated rate is based on home equity line being in second lien position. All loans subject to credit approval and some restriction may apply. Rates, fees, terms and conditions are subject to change and may vary based on credit worthiness, qualifications, and collateral conditions.
APR=Annual Percentage Rate

Home Equity Lines-of-Credit are 25 year terms, principal and interest.  Not available on manufactured homes. Subject to credit approval, underwriting guidelines. Some restrictions and fees may apply.
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Home Equity Loans are 15 year terms. Not available on manufactured homes. Subject to credit approval, underwriting guidelines and LTV (Loan to value) requirements. Some restrictions and fees may apply.

Example Home Equity Line-of-Credit: $50,000 Loan at Estimated 5.500% APR for 180months = Payment as low as $408.54 per month.

Small Balance Home Equity Loans available for loan amounts of $25,000 or less with a rapid approval process.


BECOME A MEMBER and find out for yourself, why Sierra Central Credit Union
is Northern California's premier
financial institution.

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1351 Harter Pkwy
Yuba City, CA 95993
Routing # 321174770
1-800-222-7228

Consumer Fee Schedule | Business Fee Schedule | Privacy Policy | CCPA
APR = Annual Percentage Rate may vary depending on loan details such as amount financed, term, credit history and loan fees. Rates are subject to change without notice.

LTV = Loan to value.
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All loans subject to credit approval and some restrictions may apply. 

Payment example Auto Loan: Estimated APR of 6.49% on a loan amount of $35,000, for 60 months= Payments as low as $684.65per month. Lower rate options may be available based on a lower loan-to-value percentage, credit tier, or length of membership.   

Payment example Signature Loan: Estimated APR of 9.74% on a loan amount of $25,000, for 60 months= Payments as low as $527.98 per month.
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Consumer Fee Schedule
Insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Sierra Central Credit Union does not discriminate against credit applicants on the basis of race, color, religion, national origin, sex (which includes gender identity and sexual orientation), marital status or age (provided the applicant has the capacity to enter into a binding contract).
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