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BRANCH APPOINTMENT UPDATE: We are still requiring appointments for all non-teller transactions, including any loan related documentation. Walk-ins for teller transactions are welcome. Please note that any walk-ins for non-teller transactions may wait longer due to appointments. To make an appointment please call (562) 862-8141. Thank you for your understanding.

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Home Equity Line of Credit

Home Equity Line of Credit


A HELOC or HEL is a great way for you to utilize the built up equity in your home for recurring expenses or emergency funds whenever needed. Also great to consolidate debt, a home remodel or add on, higher education expense, or other large expenses!

Enjoy these advantages when obtaining a HELOC with DFCU:

  • Up to 80% CLTV
  • Loan amounts up to $400,000
  • Open-ended loan with a 10-year draw period / 10-year repayment
  • Low, variable rates as low as APR*
  • Minimal fees

Questions? Give us a call at 562-862-8141.
Start Online Application
Interested in a Home Equity Line of Credit?

Simply provide your name and phone number and we’ll give you a call.

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Or call us at 562.862.8141


  • Property must be owner-occupied
  • Payments can be made in branch, by phone, by mail, via online banking or direct deposit
  • Rate based on FICO/credit score
  • 15-day grace period on payments

DFCU HELOC DISCLOSURE: *APR=Annual Percentage Rate. Rates quoted are the best possible rate for each tier based on credit score and other factors. Other rates and terms are available. The actual rate you qualify for will be based on credit history and other factors. Rates are subject to change without notice. Estimated costs related to the process: Drive-by Appraisal ($400.00), Title Fees ($350.00-$450.00), Origination Fee ($60.00).

Download PDF

Download PDF of HELOC Disclosure

  • Late payment charge: 5% of payment amount
  • No application fee
  • No annual fee
  • No pre-payment penalty
  • Apply online via Online Banking
  • Over the phone at 562.862.8141
  • In branch
  • The green Start Online Application button above