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HELOC Rates

All Mortgage loan rates are for members of Valley Oak Credit Union. There is a $30 requirement to open the account to become a member; $25 minimum deposit and $5 membership fee.

Rates Effective October 1, 2019

Variable Rate Home Equity Line of Credit Loans
Min. Subsequent Advances: $250
Max. Line of Credit: $250,000
Min. Line of Credit: $5,000
Term: 15 Yr
Variable Rate: 80% LTV
Interest Rate: 5.75% APR*
Points: None
Margin: 0%
Index: 5.00% APR*
Min./Floor Rate: 5.75% APR*
Max./Cap Rate: 12.00% APR*

Index from Wall Street Journal Prime Rate + Margin = APR*. Changes in January, April, July and October.

No Annual Renewal Fees. Please ask about closing costs.

Home Equity Disclosure

*APR = Annual Percentage Rate. Annual Percentage Rate may vary.