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Home Equity Line of Credit (HELOC)
Switch and Save
Refinance your existing HELOC or home equity loan from another lender and save more with our exclusive discounted rate of Prime -0.25%*.
Get a lower HELOC rate with USC Credit Union
Refinance with USC Credit Union, lower your payments, unlock extra savings, and make your home’s equity work smarter for you!
Apply Now
We Handle Payoff
Enjoy Your Lower Rate
USC Credit Union is the Better Choice
Low Rates
Switch and save with Prime -0.25%! We offer some of the lowest rates in town and no upfront costs or annual fees1.
Flexible Options
Borrow $10,000 - $250,0002. Pay interest only during the draw period with an interest-only HELOC or pay both interest and principal from the start with a traditional HELOC.
Borrow As Needed
You only pay interest on the amount you borrow! As you repay your credit line, the funds become available for you to borrow again, giving you flexible access to cash when you need it.
Have questions about this HELOC offer? Contact our friendly real estate lending specialists today!
USC Credit Union Gives You the Best Deal
We offer one of the lowest margins in town, which means a lower overall HELOC interest rate for you!
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Margins shown are based on publicly available information from each lender’s home equity line of credit (HELOC) website as of February 19, 2025. All lenders in this comparison use the U.S. Prime Rate as published by the Wall Street Journal effective as of December 19, 2024.
Enjoy
Prime -0.25%1
when you switch and save.
No teaser or intro rate!
Ways to Use Your HELOC
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Questions about this offer? We're here to help.
As a member-owned credit union, your financial well-being comes first. We’re here to help - not to push a loan that doesn’t fit your needs or budget. Our experienced and friendly home-lending professionals will guide you through every step, ensuring a smooth and stress-free experience.
Naci has over 20 years of lending experience and has been servicing USC Credit Union’s members’ real estate needs since 2021.
Email: nfisher@usccreditunion.orgDirect: (213) 821-7172
NMLS: #1676612
If you have any questions regarding this special offer, reach out to Naci directly, schedule an appointment, or fill out the form below - we’ll get back to you right away!
*Terms and Conditions: PRIME -0.25% APR disclosure: Annual Percentage Rate (APR) is effective 2.19.2025 variable, and is subject to change. To receive the .25% discount, a home equity loan or home equity line of credit at another financial institution with a balance greater than $15,000 must be paid through the transaction. Rate is for combined loan-to-value of 80% or less, owner occupied homes and requires a FICO score of 740+. Higher rates may apply, depending on credit and combined loan-to-value. All loans are subject to credit approval. Credit limits up to $250,000. Appraisal may be required. California properties only. No Annual Fee. Flood and/or property insurance may be required. Your APR can adjust monthly and is based on the Prime Rate as published in the Wall Street Journal. Maximum advance period of 10 years, with a 15-year repayment period. $15,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $10,000 must be maintained for first 12 months; otherwise, a $500 fee will be assessed. Minimum floor rate of 4.00% APR. Maximum loan rate of 18.00% APR. A sample monthly payment for an interest only HELOC, credit score of 740+ with a balance of $15,000 at 7.25% (Prime -.25%) is $90.63 during the draw period and $136.93 for the repayment period. A sample monthly payment for a traditional HELOC, credit score of 740+ with balance $15,000 at 7.25% (Prime -.25) is $187.50. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. NMLS #448984
1Maximum advance period of 10 years, with a 15-year repayment period. $15,000 minimum initial advance required to avoid a processing fee. Thereafter, minimum advance is $200. Minimum loan balance of $10,000 must be maintained for first 12 months; otherwise, a $500 fee will be assessed.
2Limits from $10,000 – $250,000 depending on your combined loan-to-value ratio and credit scores.
NMLS #448984