Need extra cash for home renovations, consolidating high-interest debt, or personal expenses? Our home equity loans offer you the flexibility to tap into your home's equity and unlock the funds you need.
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Get a revolving stream of funds that you can borrow from whenever you need to.
Receive a lump-sum amount upfront for your financial needs.
Tap into the equity of your home’s new higher value. A cash-out refinance is amortized as a new 15-or30-year first mortgage loan.
Get a revolving stream of funds that you can borrow from whenever you need to.
Don’t let conforming loan limits keep you from your dream home! CFCU offers Jumbo Home Loans with great rates that exceed the standard limits to help in higher-priced housing markets.
Receive a lump-sum amount upfront for your financial needs.
Tap into the equity of your home’s new higher value. A cash-out refinance is amortized as a new 15-or30-year first mortgage loan.
7.00% (*7.38% APR)
-Owner Occupied-
8.00%(*8.39% APR)
-Investment Property-
7.74%(*7.85% APR)
-Owner Occupied-
8.74%(*8.87% APR)
-Investment Property-
7.99%(*8.35% APR)
-Owner Occupied-
*APR=Annual Percentage Rate
The rates provided assume the purpose of this loan is to purchase a property, loan amount of $480,000 and a purchase price of $600,000. The property is a single-family detached dwelling (non-manufactured home), one unit and located in California. The property will be used as your primary residence. The rate lock period is 30 days and the assumed credit score is 740 or greater. There will be no subordinate financing and your debt to income will not exceed 40%. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees. All loans are subject to approval and rates, terms and conditions are subject to change.
Payment Example: 30 year Fixed, $480,000 loan, Purchase, 80% LTV, $600,000 purchase price, 740 Credit Score, Payment principle/interest (no tax/insurance) $2877.84, 6.00% rate, 6.047% APR, 360 payments
*APR=Annual Percentage Rate
The rates provided assume the purpose of this loan is to purchase a property, loan amount of $1,240,000 and a purchase price of $1,550,000. The property is a single-family detached dwelling (non-manufactured home), one unit and located in California. The property will be used as your primary residence. The rate lock period is 30 days and the assumed credit score is 780 or greater. There will be no subordinate financing and your debt to income will not exceed 40%. The APR includes the approximate cost of prepaid finance charges, including 15 days of prepaid interest, and some third-party fees. All loans are subject to approval and rates, terms and conditions are subject to change.
Payment Example: 30 year Fixed, $1,240,000 loan, Purchase, 80% LTV, $1,550,000 purchase price, 780 Credit Score, Payment principle/interest(no tax/insurance) $7534.37, 6.125% rate, 6.156% APR, 360 payments.
Rates are effective 3/2/2026 and are subject to change without notice.
Want to find out whether you should rent or own? Figuring out how much you can afford or borrow? Determining what your monthly payment will be? Put the pen and pencil down, we've got you covered!
Reach out to our loan experts to take the first step towards your dream home
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