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We have home equity options to meet your needs.


Home equity loans and lines of credit let homeowners leverage the equity in their homes. It’s a great way to fund your home improvement projects. Or if you want to consolidate bills or pay your child's college tuition, a home equity loan can simplify your life with a single payment and a lower interest rate. We have options to meet your needs. 

Golden 1's Equity My WaySM Line of Credit and fixed-rate Home Equity Loan are secured by your home, so you can get a better interest rate than a traditional installment or consumer loan. Plus, you can borrow up to $100,000, and the interest may be tax deductible*.

*Consult your tax advisor. Golden 1 does not provide tax advice.

Due to the high demand of our Home Loan Program, processing times are extended up to 90 days for a Refinance and up to 45 days for a Home Equity Loan.


Equity My WaySM Line of Credit1:

A convenient revolving source of funds that works like a credit card, available when you need it most.

  • Borrow up to 75% of your home's equity
  • Interest-only payments
  • Payments based on current outstanding balance

Fixed-Rate Equity Loan1:

Easy and convenient way to put the equity in your home to work for you.

  • Borrow up to 75% of your home's equity
  • Low interest rates
  • Fixed monthly payments

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Golden 1 Credit Union is not part of any government agency, nor do we represent or have the endorsement of HUD, FHA, the U.S. Government, or any federal, state, or local government agency.

1Limited 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 or 2% of the original balance, whichever is less, for owner occupied properties and $500 for non-owner occupied properties, 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. 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. 

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