Home Equity Line of Credit

With our Home Equity Line of Credit (HELOC), you can make the big purchase or investment you've been dreaming about, while keeping your payments at a minimum. 

• Super-Low Variable Annual Percentage Rate (APR)
• Click here for a rate quote
• Option of Interest-Only Payments
• Line Amounts up to $250,000
• No Points, Fees, or Up-Front Costs¹
• No Annual Fee¹
• Potentially Tax Deductible Interest in Most Cases¹
• Convenient Access via Checkbook, ATM, and Online Banking
• One of Lowest Ceilings in the Industry:  15.00% APR¹
• Minimum monthly payment is only $15¹

For additional information, stop by your local branch or call  (866) USE-4-YOU (873-4968) today!

Loan rates, terms and conditions subject to credit approval and may change without notice. USE is an Equal Housing Lender. Term: 10-year draw period in which you may advance the line, followed by a 15-year repayment period. Your payment my increase as a result of re-amortization at the onset of the repayment period.

Home Equity Loan:
Fixed-Rate Second Trust Deed

With our Fixed-Rate Second Mortgage, you can use this equity in your home to pay off high-rate credit cards, make home improvements, finance your child's education, or finally take your dream vacation.

• Low, Fixed Annual Percentage Rate
• Click here for a rate quote
• Tax-Deductible Interest in Most Cases (consult your tax advisor)
• Fixed Terms up to 25 Years
• Loan Amounts up to $250,000
• No Pre-Payment Penalty
• Borrow as Little as $10,000
• Borrow up to 80% of Your Home's Value

All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Click here for more rate information. Certain terms and restrictions apply. Rate is based upon credit criteria. Your rate may be higher. $175 loan fee. Regular fees may apply at the end of the loan (e.g., responding to a demand and/or preparing a reconveyance). USE is an Equal Housing Lender. Financing available for owner-occupied, single family residences and 1-4 story condominiums in California only. Comprehensive fire and hazard insurance required.

Contact your Home Equity Loan Specialist TODAY !