Home Equity Loans

Get funds for major expenses or anything you can imagine
Loan or line of credit
Use funds for any purpose
Competitive rates

The options are endless

With your home's value serving as collateral, Home Equity Loans and Lines of Credit offer good value for borrowers, as well as incredible flexibility. Fix your roof, finish your attic, remodel your kitchen, or put in a patio. Or go a completely different direction and pay for a vacation, cover college costs, make a major purchase, or buy yourself some breathing room by paying down higher interest debt.

Home Equity Loans

Get all your money upfront and use it any way you wish. A good choice for major projects or purchases where you are going to cover the entire cost in a single payment.

  • Fixed-rate loans with steady monthly payments
  • Loan amounts ranging from $10,000 to $500,000
  • Financing up to 80% of your home's equity
  • Up to 15 years repayment

Home Equity Lines of Credit (HELOC)

With a Home Equity Line of Credit, you have a line of credit that you can use anytime for any reason. Access your funds with a dedicated through a dedicated debit card, Online and Mobile Banking or at Premier America locations.

  • 5.99% APR* 6-month introductory rate
  • After the intro period, a rate of 8.75% APR to 13.00% APR will apply
  • No annual fee
  • Credit limits ranging from $10,000 to $500,000
  • Financing up to 80% of your home's equity

Can't decide between a regular term loan and a line of credit? A Premier America team member can help you decide which Home Equity product might work best for you.

Financial resources at your fingertips for simplified decision-making.
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Premier America Credit Union is a full-service financial institution with branches in California and Texas.

*APR= Annual Percentage Rate. The APR for a Home Equity Line of Credit is variable and based on the Prime Rate as published in the Wall Street Journal, credit score tier, plus margin and cash or automatic payment via direct deposit. Available APR ranges from 8.75% APR - 13.00% APR after the 5.99% APR 6-month introductory period ends. There are no upfront fees for loans under $250,000.00. Fees - including title, escrow, appraisal and any other loan origination fees - will apply if the loan is closed within the first 24 months. Fees vary based on loan size and state of residence. The estimated fees for a $250,000 HELOC for CA residents are $1,008. The maximum HELOC amount for Texas is $100,000 and the estimated fees for a $100,000 HELOC for TX residents are $999. Call 800-772-4000 for complete program details. Property insurance is always required and flood insurance is required where necessary. All credit union loan programs, rates, terms and conditions are subject to change at any time without notice. Qualification and rate is based on assessment of individual creditworthiness and our underwriting guidelines. A deposit of $1 into a share account is required for consumers to join Premier America Credit Union, and $250.00 deposited into a Business Savings account is required for businesses. Please consult your tax advisor to determine if Home Equity interest and fees may be deductible.