Best HELOC Rates California Home Equity Line of Credit Rates

Best home equity line of credit (HELOC) rates in California

Looking for current Heloc Rates? ERATE.com provides an extensive list of Heloc Rates from banks, credit unions and mortgage lenders in CA. If on a desktop you can click the Rate column to sort for the best rates. On far left you can switch to a Home Equity Loan for a fixed rate. We list top offers from numerous lenders for you. Rates are updated daily. Additionally you can see the best Heloc rates even quicker each day via our Mortgage Rates iPhone App
(Last Updated: 05/28/2020)
Home Equity Lenders
APR
Rate
Initial Draw
Contact details
2.990% APR 2.990% Rate $0 Min. Initial Draw Amount
Conditions:
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
  • Third Federal rate are typically 20% lower than other leaders
  • Guaranteed Lowest Rate
  • No closing costs, prepayment penalties, or minimum draw requirements
  • 10 year draw period
3.750% APR 3.750% Rate $0 Min. Initial Draw Amount
Conditions:
Variable APR of Prime + 0% (Floor 3.75%). APR based on LTV of 80% or lower, for loan amounts $10,000 - $400,000.
  • Save when you borrow from PenFed!
  • Equal housing lender.
  • Available to members online seven days a week, 24 hours a day
  • Federally insured by NCUA
Fasted HELOC on the Planet - 100% Online, Funding in 5 Days
Conditions:
Our APRs start at 4.99% for the most qualified applicants and are higher for other applicants. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.99% and a 3.00% origination fee. Your total loan amount would be $51,500. Origination fees range from 0-4.99% of your initial draw depending on your credit score and the state in which your property is located. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. The advertised APR includes an auto-pay discount of 0.75%. APRs start at 5.74% for customers that do not opt in to auto-pay.
  • • Fast access to your equity without leaving home
  • • Apply with our 100% online application in minutes
  • • No in-person appraisal needed
  • Get approved in 5 minutes. Funded in as little as 5 days.
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
6.000% APR 6.000% Rate $0 Min. Initial Draw Amount
5.240% APR 5.240% Rate $0 Min. Initial Draw Amount
4.250% APR 4.250% Rate $0 Min. Initial Draw Amount
4.250% APR 4.250% Rate $0 Min. Initial Draw Amount
3.830% APR 3.830% Rate $50,000 Min. Initial Draw Amount
2.990% Intro APR
4.250% After Intro PeriodIntro Period: 12 months
4.250% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $10,000 Min. Initial Draw Amount
6.240% APR 6.240% Rate $0 Min. Initial Draw Amount
1.990% Intro APR
4.000% After Intro PeriodIntro Period: 6 months
4.000% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $30,000 Min. Initial Draw Amount
5.675% APR 5.675% Rate $25,000 Min. Initial Draw Amount
4.990% Intro APR
5.750% After Intro PeriodIntro Period: 6 months
5.750% Rate $0 Min. Initial Draw Amount
4.250% APR 4.250% Rate $0 Min. Initial Draw Amount
3.250% APR 3.250% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
4.500% APR 4.500% Rate $0 Min. Initial Draw Amount
3.250% APR 3.250% Rate $0 Min. Initial Draw Amount
6.000% APR 6.000% Rate $0 Min. Initial Draw Amount
3.740% Intro APR
4.250% After Intro PeriodIntro Period: 12 months
4.250% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
3.000% APR 3.000% Rate $0 Min. Initial Draw Amount
5.250% APR 5.250% Rate $0 Min. Initial Draw Amount
4.765% APR 4.765% Rate $50,000 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
2.740% Intro APR
4.125% After Intro PeriodIntro Period: 6 months
4.125% Rate $0 Min. Initial Draw Amount
4.250% APR 4.250% Rate $0 Min. Initial Draw Amount
4.500% APR 4.500% Rate $0 Min. Initial Draw Amount
3.500% APR 3.500% Rate $0 Min. Initial Draw Amount
5.500% APR 5.500% Rate $5,000 Min. Initial Draw Amount
4.500% APR 4.500% Rate $0 Min. Initial Draw Amount
2.990% Intro APR
4.500% After Intro PeriodIntro Period: 12 months
4.500% Rate $0 Min. Initial Draw Amount
5.080% APR 5.080% Rate $50,000 Min. Initial Draw Amount
3.250% APR 3.250% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
3.250% Intro APR
4.750% After Intro PeriodIntro Period: 6 months
4.750% Rate $0 Min. Initial Draw Amount

Informa Research Services, Inc.Home Equity Loans - Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $50,000 or $50,000+. Rate Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing. Conditions 'No closing costs' indicates that customer is not required to pay closing costs on the loan. 'With closing costs' indicates that customer is required to pay closing costs on the loan. Rates displayed may include discounts. Rates are subject to change without notice.

Disclaimer:
Home Equity Line of Credit - Rates are based on a variable rate, second lien revolving home equity line of credit for an owner occupied residence with an 80% loan-to-value ratio for line amounts of $50,000 or $50,000+. Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing. Conditions 'No closing costs' indicates that customer is not required to pay closing costs on the line of credit. 'With closing costs' indicates that customer is required to pay closing costs on the line of credit. Rates displayed may include discounts. Rates are subject to change without notice.

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