Extra cash, a dream vacation, or a new kitchen. Your home’s equity has plenty to offer.

Prime Home Equity Line of Credit - At The Prime Rate* for the life of the loan.

Call 310.643.5400 or 800.854.4501 to talk to one of our experienced loan consultant. Or visit a member service center near you.

Variable Annual Percentage Rate (APR) at prime for the life of the loan with a floor rate of 5.00%. No standard appraisal fees, points, or closing costs, subject to certain qualifications (up to $500 in fees are waived unless loan is closed within the first 36 months). Excellent credit and automatic payment from a Kinecta Checking Plus account required. The index on all new applications is The Wall Street Journal prime rate, as published in the Money Rates section on the first business day of the month. Your actual APR will be the then-current prime rate plus 0%. As of 10/1/09, the APR is 5.00%. Maximum APR is 18%; minimum APR is 5.00%. The initial draw period is 10 years followed by a 20-year repayment period. Payments calculated during the draw period are amortized over 20 years for each payment. Interest-only option is available where the interest-only period applies only to the duration of the draw period. A $100,000 loan amount financed at 5.00% (5.00% APR) with 0 points and 80% CLTV would result in 120 monthly interest-only payments of $416.67 followed by 240 monthly principal and interest payments of $659.96. Payment example does not include taxes and insurance, therefore payment obligation will be greater. $75 annual fee is waived with $10,000 average daily balance for 12 months. Rates apply to loans on owner-occupied 1-2 unit family property types with a Combined Loan to Value (CLTV) of up to 80%. Maximum loan amount $250,000. Rates and terms are effective as of 10/1/09 and are subject to change. Rates may vary based on credit score and occupancy type. All loans are subject to credit approval and verification of equity. Full documentation and property insurance is required. Title insurance may be required. Other Home Equity products are also available.
** Check with your tax advisor.