Tapping into your home equity

In addition to the long term wealth you can gain when your home value rises, one of the great benefits of homeownership is the flexibility it can give you in managing your finances. From improving cash flow and managing debt to enabling financial opportunities, borrowing responsibly against your home's equity is worth exploring. So tell us:

A home equity loan offers a fixed rate and payment on a fixed amount.

A home equity line of credit can offer lower monthly payments, but the interest rate may adjust over time.

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1. The minimum credit line amount is $10,000 and the maximum is $500,000. Patelco Credit Union will pay customary closing costs on lines up to $250,000 in second lien position. Borrower is responsible for closing costs on lines in first lien position or over $250,000 and any escrow fees resulting from changes to title. Closing costs range from $0 to $2,500. Borrower may be required to pay a notary fee varying from $1 to $40 to execute the loan documents. Read the HELOC Program Disclosure.

2. Insurance products are not deposits of Patelco Credit Union and are not insured by the NCUA. They are not guaranteed by Patelco Credit Union and may be subject to risk. Any insurance required as a condition of an extension of credit by Patelco Credit Union need not be purchased from Patelco Insurance Services and may be purchased from an agent or an insurance company of the member's choice. Patelco Insurance Services is a subsidiary of Patelco Credit Union. Insurance products offered by Patelco Insurance Services, a California insurance agency (License #0C97544). Any complaints may be filed with the California Department of Insurance, www.insurance.ca.gov.

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