Home Equity Line of Credit (HELOC)
Available only in CA and ID.
5.75% APR* 6-Month Intro Rate
After as low as 6.75% APR*
If you want to access extra funds now and in the future, consider a home equity line of credit.
Re-do your kitchen. Make sure your child’s college tuition is ready to go. Or, simply have access to cash on hand when you need it. HELOCs can be a smart way to ensure you have a financial buffer. And the interest on your HELOC may be tax deductible, so check with your tax advisor.
Members can apply directly through Online Banking. Go to the “Open New Account” tab on your Dashboard.
Online BankingFeatures of a Tech CU HELOC:
- No Fee Loan* — no application fees, no closing costs, and no annual fee.
- Use the funds you need — only pay interest on what you use.
- Access funds anytime through Online Banking, Call-24 Phone Banking, and convenience checks.
- Interest-only payments for the first 10 years of the loan; then fully amortized to include principal and interest over the next 15 years.
- Can be used as an overdraft protection source for any Tech CU checking account.
- Available for owner-occupied properties of 1-4 units.
- For more information, see the Home Equity Line of Credit Disclosure for CA (PDF) or Home Equity Line of Credit Disclosure for ID (PDF) or contact us at (877) 988-0471.
Learn About HELOCs:
Use our calculator to see your potential monthly payment for a Tech CU HELOC!
*On Tech CU HELOCs, you will not be charged origination or transfer fees. However, if you pay off and close your Equity Line of Credit within three (3) years, an early closure fee may apply:
- California residents: A fee between $500 and $1,500 will apply.
- Idaho residents: You will be required to reimburse some or all of the third-party origination fees that Tech CU paid on your behalf.
*5.75% introductory APR (Annual Percentage Rate) for the first six months - 2.99%-18.00% APR thereafter, based on the then-current Wall Street Journal prime rate plus margin, which is 6.75% - 7.25% APR as of 4/1/2026. Rates are variable and based on creditworthiness, property value and loan amount. You will not be charged origination or transfer fees, however, if you pay off and close your Line of Credit within three (3) years, the following may apply: (i) for California residents, an early closure fee between $500 and $1,500, (ii) for Idaho residents, reimbursement of some or all of the third-party origination fees that Tech CU paid on your behalf. Not available on refinances. Loans subject to approval. Available only for applications received prior to October 1, 2026. Available for applicants without an existing Tech CU home equity line of credit. Promotion may be modified at any time. Additional terms and conditions may apply.
