Home Equity Loans
Unlock your home’s potential and save 1%*. For a limited time, members can receive a 1% interest rate discount on a new Home Equity Loan of up to $500,000.*
Get the financing you need to keep the future in sight.
Big life decisions can cost big money, no matter how budget conscious you are. San Francisco Federal Credit Union offers the support you need to move forward with confidence.
Discover the Great Features of a Home Equity Loan from San Francisco Federal Credit Union
Home equity loans are the starting point for remodeling projects and upgrades along with life’s most exciting events, like weddings and vacations. And luckily, when you choose a home equity loan from San Francisco Federal Credit Union, you get competitive rates, flexible terms and great benefits to jump-start you toward those goals.
Some features of home equity loans from San Francisco Federal Credit Union include:
- Lump Sums: Close your loan for lump sum cash designed for any purpose.
- Fixed Rates: Predict your monthly payments quickly, accurately and affordably.
- High Loan To Value Ratios (LTV): Get the biggest bang for your buck with ratios that reward your diligence and dedication.
Home Equity Loan
Unlike HELOCs, home equity loans are financing options that do not revolve every month. The dollar value of the loan is determined by estimating the difference between what’s left of your mortgage and the current value of your home.You are not required to borrow the full amount, but can instead borrow only what you need.
Some features of home equity loans include:
- Can be used to pay for large expenses and life’s milestones
- Ability to borrow lump-sums
- Flexible repayment terms
- Fixed, secure and predictable rates
- Only borrow what you need
- Competitive APR rates
Member Reviews
FAQs
What is the difference between a Home Equity Loan and a Home Equity Line of Credit?
A home equity line of credit (or HELOC) is a revolving credit line with a set withdrawal and repayment period. In contrast, the home equity loan provides lump-sum financing with a set interest rate applied every month.
In what ways can I use the money from a Home Equity Loan?
Home equity loans generate lump sum funds that are perfect for one-time purchases with a set budget or price tag. Paying off debt, putting on an addition to your home, or buying a new vehicle are common used for home equity loan financing.
How is the APR on a Home Equity Loan determined?
Home equity loan rates vary according to the Prime Index, as well as credit score, payment history, finance charge and more. For information about home equity loan variables, please contact the San Francisco Federal Credit Union team at 415-775-5377.
Contact Us for more information or call 415-775-5377
Home Equity Loan Resources
Navigate your next home equity loan with San Francisco Federal Credit Union’s helpful tools and resources.
Open The Doors Of Opportunity With San Francisco Federal Credit Union
With a home equity loan, anything is possible. Let San Francisco Federal Credit Union show you how you utilize your home’s value to your advantage.
*Offer available for a limited time for home equity loan applications with valid physical addresses received between February 7, 2026, and May 31, 2026. To qualify, members must be in good standing with San Francisco Federal Credit Union, maintain at least $1.00 in a share account (savings, money market, or checking), have no delinquent or derogatory accounts with San Francisco Federal Credit Union, and meet eligibility requirements for additional credit union services. Other terms and conditions may apply. Equal Housing Lender. NMLS ID: 416906.Contact us for details or learn more at: www.sanfranciscofcu.com/home-loans.
ANNUAL PERCENTAGE RATES. For all loans, actual annual percentage rate is determined at the time a credit decision is rendered and may be higher than the lowest rate available. Credit history, loan terms, mileage, age of collateral and amount borrowed are all factors that determine rate. Not all borrowers will qualify for the lowest rate. There are NEVER any prepayment penalties for repaying your loan early. All loans are subject to credit approval.