Your home could be your best asset when paying for major home improvements or any other large purchase or expense. Golden 1’s Home Equity Loan and Home Equity Line of Credit are secured by your home so you can get a better interest rate than a traditional installment or consumer loan. Plus, the interest may be tax deductible!1
A Fixed Rate Equity Loan2 is a good option for members who need a set amount of money for a specific purpose. With this type of loan, you get a fixed interest rate for the life of the loan and the lump sum, in one disbursement
Equity My Way Line of Credit2 allows you to withdraw cash only when you need it and gives you peace of mind knowing that cash is available if you expect ongoing expenses over a longer period of time.
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All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
1Consult your tax advisor. Golden 1 does not provide tax advice.
2Limited to one- to four-family owner-occupied units, vacation properties, and investment properties located in the state of California. Excludes mobile homes. Before your equity loan or line of credit is funded, all loans secured by your home other than your first mortgage must be paid off. Subject to property valuation. Property insurance required. Flood insurance may be required. All programs and maximum combined loan-to-values (CLTV) are subject to change or termination without notice. An early closure fee of $500 will be assessed if the loan is paid in full within three years for our "Equity My Way Line of Credit" and two years for our Fixed-Rate Equity Loans, from the date of opening. On loans and lines under $25,000, the early closure fee will be 2% of the amount prepaid for owner-occupied properties only. Contact the credit union for terms and conditions for refinancing an existing Golden 1 equity loan. Other programs are available. Your maximum loan amount will be calculated using the combined loan-to-value of your existing first fixed-rate mortgage and new second mortgage according to current guidelines.
3The minimum annual percentage rate (APR) is 4.00%. The rate may change after the account is opened. The maximum APR is 18% for owner-occupied homes and 19% for non-owner-occupied homes. Homeowner insurance is required. Flood insurance may be required.
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This credit union is federally insured by the National Credit Union Administration.