Home Equity Loans & Lines

Your house can help you borrow money at truly terrific rates.

The fine print basically says: Do whatever you want

Please don't get stuck on the word "home." While funds can be used to remodel kitchens or repair roofs, you're free to use the money to do, buy, or pay for absolutely anything.

Home Equity Loan

Get your money all at once ––or right when you need it

Send a kid to college, go on a globe-trotting adventure, cover major repairs or pay off a mountain of medical bills. While you're deciding exactly what to do with your Home Equity funds, you might also take some time to consider whether a traditional loan or revolving line of credit will best fit your needs.

  • Get all your loan money at once
  • Fixed interest rates keep your monthly payments stable
  • Borrow up to 80% of the equity you have in your home (market value of home minus your mortgage balance)
  • No prepayment penalty
  • Make easy payments using Online or Mobile Banking
  • Interest payments may be deductible. Consult your tax advisor for details.
Call our Lending department to apply today, 626-445-0950 option 1.
Apply Now  View Rates

Home Equity Line of Credit

Tap into your Home's Equity

If you have a home and have been making payments on your mortgage for years, then you may have built up a significant amount of equity. Use the equity in your home to pay off debt, do home improvements or for whatever else you want or need!

  • Get access to a loan fund you can tap into time and time again
  • 3-month low introductory rate
  • Borrow as you wish for 10 years. After that, you have 15 years to repay any outstanding balance.
  • Interest only payment option available. Ask your loan consultant for details
  • Easy access to money through checks, Online Banking and at Foothill Credit Union branches
  • Good choice if you want to pay off higher-interest loans or credit cards


HELOCs are Perfect for Adding ADUs (Accessory Dwelling Units) to Your Home

Utilizing a HELOC to finance the construction of an ADU can be a strategic and cost-effective approach for homeowners seeking to expand their living space or generate additional rental income. This line of credit enables homeowners to tap into their home's value without committing to a fixed loan amount, offering the freedom to draw funds as needed throughout the ADU construction process. Use it to cover expenses such as architectural design, construction costs, and permit fees.

Call our Lending department to apply today, 626-445-0950 option 1.
Apply Now  View Rates


Take Advantage of our 2.99% APR* HELOC Intro Rate for 3 Months!

Apply online or call our Lending department to apply today, 626-445-0950 option 1.


Interest Rates Certified by Datatrac

Calculate Your Savings

*APR = Annual Percentage Rate.

The variable APR is based on the WSJ Prime Rate. After the 10 year draw period, the loan becomes fully amortized over a 15 year repayment period. Your APR will not exceed 18.00%. Contact the credit union for full details.

Go Green With Our Energy Saver Loan

Making upgrades for a more energy-efficient home isn’t just good for the environment, it's good for your budget too. Whatever eco-friendly route you take, Foothill can help you get there with loan options that cover a wide variety of upgrades.

  • Solar Panels
  • Cool Roof
  • Heating and Air Conditioning
  • Weather proofing, Insulation, Duct Sealing and Air Sealing
  • Drought Tolerant Landscaping
  • Windows and Doors
  • Water Heaters
  • Energy Star qualified Appliances, such as Washers and Dryers
Not sure if something you want to do qualifies for this eco-friendly upgrade loan? Speak to one of our representatives at (626) 445-0950, option 1 today.

This loan is secured by your home. Property must be located in the following counties: Orange, Los Angeles, Riverside, San Bernardion, Ventura and San Diego. Property must be owner-occupied. Rates and terms quoted are for single family dwellings. Member fees may include appraisal, title change, recording fees and any other related fees.

Hear What Our Members Are Saying

"Foothill Credit Union has been great! They have wonderful customer service within all the departments. I have experienced their loan department with no hassles at all. They also have great ideas to help with savings and financing."

- Carie N.

Digital Payments

Make quick, secure and touch-free payments online or in stores with your mobile device – all with the peace of mind.

Get Started

Foothill Credit Union is a full-service credit union with California branches in Arcadia, Covina and Glendora.