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. 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: 02/28/2020)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
3.990% Intro APR
5.000% After Intro PeriodIntro Period: 12 months		 5.000% Rate $25,000 Min. Initial Draw Amount
Conditions:
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.
  • APR Fixed for One Year
  • Prime Rate for Life, Thereafter
  • Prime Rate as of 1/22/2019 = 5.50% (Wall Street Journal). Floor APR=3.25%.
3.740% APR 3.740% 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
4.500% APR 4.500% Rate $10,000 Min. Initial Draw Amount
5.500% APR 5.500% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
5.830% APR 5.830% Rate $50,000 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
6.000% APR 6.000% Rate $0 Min. Initial Draw Amount
2.740% Intro APR
5.750% After Intro PeriodIntro Period: 6 months		 5.750% Rate $0 Min. Initial Draw Amount
5.330% APR 5.330% Rate $50,000 Min. Initial Draw Amount
6.000% APR 6.000% Rate $0 Min. Initial Draw Amount
6.740% APR 6.740% Rate $0 Min. Initial Draw Amount
2.990% Intro APR
5.000% After Intro PeriodIntro Period: 12 months		 5.000% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
3.990% Intro APR
6.000% After Intro PeriodIntro Period: 12 months		 6.000% Rate $25,000 Min. Initial Draw Amount
7.150% APR 7.150% Rate $0 Min. Initial Draw Amount
5.000% APR 5.000% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
2.990% Intro APR
5.750% After Intro PeriodIntro Period: 12 months		 5.750% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
7.740% APR 7.740% Rate $0 Min. Initial Draw Amount
3.740% Intro APR
5.250% After Intro PeriodIntro Period: 12 months		 5.250% Rate $0 Min. Initial Draw Amount
3.990% APR 3.990% Rate $10,000 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
6.025% APR 6.025% Rate $0 Min. Initial Draw Amount
1.990% Intro APR
4.570% After Intro PeriodIntro Period: 6 months		 4.570% Rate $0 Min. Initial Draw Amount
3.230% Intro APR
5.500% After Intro PeriodIntro Period: 12 months		 5.500% Rate $0 Min. Initial Draw Amount
4.750% Intro APR
6.750% After Intro PeriodIntro Period: 6 months		 6.750% Rate $0 Min. Initial Draw Amount
5.250% Intro APR
4.750% After Intro PeriodIntro Period: 60 months		 4.750% Rate $25,000 Min. Initial Draw Amount
5.750% APR 5.750% Rate $0 Min. Initial Draw Amount
6.000% APR 6.000% Rate $0 Min. Initial Draw Amount
5.750% APR 5.750% Rate $0 Min. Initial Draw Amount
4.500% APR 4.500% Rate $0 Min. Initial Draw Amount
5.000% APR 5.000% Rate $0 Min. Initial Draw Amount
5.415% APR 5.415% Rate $50,000 Min. Initial Draw Amount
3.990% Intro APR
5.750% After Intro PeriodIntro Period: 12 months		 5.750% Rate $0 Min. Initial Draw Amount
3.490% Intro APR
5.625% After Intro PeriodIntro Period: 6 months		 5.625% Rate $0 Min. Initial Draw Amount
6.000% APR 6.000% Rate $30,000 Min. Initial Draw Amount
5.000% APR 5.000% Rate $0 Min. Initial Draw Amount
5.675% APR 5.675% Rate $25,000 Min. Initial Draw Amount
5.250% APR 5.250% Rate $0 Min. Initial Draw Amount
5.250% APR 5.250% 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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