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.  We list top offers from numerous lenders for you. Over 35 lenders on Calif chart. Rates are updated daily. Additionally you can see the best Heloc rates even quicker each day via our Mortgage Rates iPhone App
(Last Updated: 10/22/2021)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
Access Your Home’s Equity with a Cash-Out Refinance
Conditions:
Access Your Home’s Equity with a Cash-Out Refinance
  • Home Improvement, Buy a Vacation Home
  • 185k+ positive reviews, A+ rating from the BBB
  • Pay off higher interest rate credit cards, Pay college tuition
  • 100% online mortgage application available
1.790% Intro APR
4.840% After Intro PeriodIntro Period: 6 months		 4.840% Rate $0 Min. Initial Draw Amount
Conditions:
Get intro rates on a Home Equity Line of Credit as low as 1.79% APR for 6 months, with as low as 3.54% APR thereafter.*
  • Low Intro Rates On A HELOC
  • Special Offer - Apply Now
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
FIXED rates from 3.00% APR*. HELOC up to $250K. Funding as fast as 5 days
Conditions:
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
  • 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.
4.000% Intro APR
4.000% After Intro PeriodIntro Period: 1 months		 4.000% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $10,000 Min. Initial Draw Amount
4.690% APR 4.690% Rate $50,000 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
2.990% Intro APR
4.250% After Intro PeriodIntro Period: 12 months		 4.250% Rate $0 Min. Initial Draw Amount
1.740% Intro APR
4.990% After Intro PeriodIntro Period: 12 months		 4.990% Rate $0 Min. Initial Draw Amount
3.750% APR 3.750% Rate $0 Min. Initial Draw Amount
3.750% APR 3.750% Rate $0 Min. Initial Draw Amount
2.490% Intro APR
5.000% After Intro PeriodIntro Period: 6 months		 5.000% Rate $0 Min. Initial Draw Amount
2.499% Intro APR
5.080% After Intro PeriodIntro Period: 6 months		 5.080% Rate $50,000 Min. Initial Draw Amount
4.500% APR 4.500% 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
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
3.000% APR 3.000% Rate $0 Min. Initial Draw Amount
6.000% APR 6.000% Rate $0 Min. Initial Draw Amount
2.240% Intro APR
4.425% After Intro PeriodIntro Period: 6 months		 4.425% Rate $0 Min. Initial Draw Amount
1.850% Intro APR
5.000% After Intro PeriodIntro Period: 6 months		 5.000% 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
4.250% APR 4.250% Rate $0 Min. Initial Draw Amount
2.490% Intro APR
4.500% After Intro PeriodIntro Period: 12 months		 4.500% 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
4.000% APR 4.000% Rate $0 Min. Initial Draw Amount
3.250% APR 3.250% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $30,000 Min. Initial Draw Amount
4.500% APR 4.500% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% 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
1.750% Intro APR
4.925% After Intro PeriodIntro Period: 6 months		 4.925% Rate $0 Min. Initial Draw Amount
3.750% APR 3.750% 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
3.250% APR 3.250% Rate $0 Min. Initial Draw Amount
5.750% APR 5.750% Rate $0 Min. Initial Draw Amount
4.000% APR 4.000% Rate $5,000 Min. Initial Draw Amount
3.990% APR 3.990% Rate $0 Min. Initial Draw Amount
3.990% APR 3.990% Rate $50,000 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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