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: 04/14/2021)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
2.240% APR 2.240% 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
Fastest HELOC on the planet! Apply in 5 minutes & close in days
Conditions:
For Figure Home Equity Line, APRs can be as low as 2.49% for the most qualified applicants and will be higher for other applicants, depending on credit profile and the state where the property is located. For example, for a borrower with a CLTV of 45% and a credit score of 800 who is eligible for and chooses to pay a 4.99% origination fee in exchange for a reduced APR, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 2.49%. The total loan amount would be $52,495. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay an origination fee in exchange for a lower rate. Payment of origination fees in exchange for a reduced APR is not available in all states. In addition to paying the origination fee in exchange for a reduced rate, the advertised rates include a combined discount of 0.75% for opting into Credit Union Membership (0.50%) and enrolling in autopay (0.25%). APRs for home equity lines of credit do not include costs other than interest. Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
  • Seamless process with fixed rates from 2.49% APR*. HELOC up to $250K
  • 100% digital app & online appraisal
  • Use to consolidate debt or finance your next project
  • Apply in 5 minutes, funding as fast as 5 days.
5.240% APR 5.240% Rate $0 Min. Initial Draw Amount
5.750% APR 5.750% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
4.500% APR 4.500% Rate $10,000 Min. Initial Draw Amount
3.250% APR 3.250% Rate $0 Min. Initial Draw Amount
4.265% APR 4.265% Rate $50,000 Min. Initial Draw Amount
3.250% Intro APR
4.950% After Intro PeriodIntro Period: 6 months		 4.950% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
4.500% Intro APR
4.000% After Intro PeriodIntro Period: 60 months		 4.000% Rate $25,000 Min. Initial Draw Amount
4.500% APR 4.500% Rate $0 Min. Initial Draw Amount
4.250% APR 4.250% Rate $0 Min. Initial Draw Amount
4.500% Intro APR
4.000% After Intro PeriodIntro Period: 6 months		 4.000% Rate $25,000 Min. Initial Draw Amount
4.500% APR 4.500% Rate $0 Min. Initial Draw Amount
1.740% Intro APR
4.720% After Intro PeriodIntro Period: 12 months		 4.720% Rate $25,000 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
1.990% Intro APR
4.000% After Intro PeriodIntro Period: 6 months		 4.000% Rate $0 Min. Initial Draw Amount
3.000% APR 3.000% Rate $0 Min. Initial Draw Amount
4.250% APR 4.250% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
3.250% APR 3.250% Rate $0 Min. Initial Draw Amount
1.990% Intro APR
5.490% After Intro PeriodIntro Period: 6 months		 5.490% Rate $0 Min. Initial Draw Amount
2.240% Intro APR
5.000% After Intro PeriodIntro Period: 6 months		 5.000% Rate $0 Min. Initial Draw Amount
5.000% APR 5.000% Rate $0 Min. Initial Draw Amount
6.000% APR 6.000% Rate $0 Min. Initial Draw Amount
3.990% APR 3.990% Rate $50,000 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
2.490% Intro APR
5.330% After Intro PeriodIntro Period: 6 months		 5.330% Rate $50,000 Min. Initial Draw Amount
2.490% Intro APR
4.425% After Intro PeriodIntro Period: 6 months		 4.425% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $5,000 Min. Initial Draw Amount
2.990% Intro APR
4.250% After Intro PeriodIntro Period: 12 months		 4.250% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $30,000 Min. Initial Draw Amount
2.990% Intro APR
4.250% After Intro PeriodIntro Period: 12 months		 4.250% Rate $0 Min. Initial Draw Amount
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
2.990% Intro APR
4.250% After Intro PeriodIntro Period: 12 months		 4.250% Rate $0 Min. Initial Draw Amount

Disclaimer:
Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

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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