Utilize your work and dedication to your good home to secure a low-rate loan with great flexibility. We'll help determine what works best for your needs — and you'll receive the unsurpassed level of service you've come to expect from ACCU.

  • Competitive rates
  • Low closing costs*
  • Multi-purpose:
    • Home improvement
    • Debt consolidation
    • College tuition
    • Major expenses
    • And more
  • Amount up to 80% of appraised value (less the remaining principal owed)
  • Borrow only as needed, up to your approved credit line
  • Make payments only on the portion you use
  • Re-access without re-applying
  • Funds accessible through direct check writing
  • Convenient ACH/automatic payment
  • Consult a tax advisor for further information regarding the deductibility of interest and charges

View the following brochures and disclosures to learn more.

*Other costs may be associated with this loan. ACCU will cover costs up to $500 for loan amounts under $100,000, $1,000 for loan amounts between $100,000 - $250,000, and $2,500 for loan amounts over $250,000.
This HELOC is a variable rate plan as described in the applicable loan documents. Annual Percentage Rate (APR) may vary based on the index rate plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. The current index is 5.50%. APR will not exceed 18.00%. Advertised “as low as” APR assumes excellent credit history, loan-to-value, and maximum rate discount of 0.50% for ACH/automatic payment. Qualification and APR dependent on credit history, debt, loan-to-value, ability to repay, homeownership, and other factors.  Maximum loan-to-value ratio is 80% for owner-occupied and 70% for non-owner occupied, based on appraisal value.  Available to owner- and non-owner occupied, single-family dwellings. Minimum advance is $5,000. Current ACCU loans not eligible. Rates, terms, and conditions are subject to change or discontinue at any time, without notice. 

Personal Loans

Personal Loan Forms

  • Loan Application ( Print )
  • Home Equity Line of Credit (HELOC) Application ( Print )
  • Auto Pay Debit Authorization Form( e-Sign I Print )
  • CA DMV Power of Attorney ( Print )
  • Skip-A-Payment ( e-Sign I Print )

Home Equity Line of Credit (HELOC) Rates See Details

Loan TypeRate (APR* as low as)
Quarterly adjustable HELOC 5.50%
Annual adjustable HELOC 6.00%
3-year Re-price HELOC 6.74%

*APR = Annual Percentage Rate. APY = Annual Percentage Yield. 

For a $50,000 Home Equity Line of Credit, Quarterly Adjustable , with 80% Loan to Value at  6.75% APY, the monthly payment will  be $324.30