Put your home's equity to work.
Tap into the Value of Your Home
Your home could be your best asset when paying for major home improvements or any other large purchase or expense. Golden 1’s Home Equity Loan and Home Equity Line of Credit are secured by your home, so you can get a better interest rate than a traditional installment or consumer loan. Plus, you can borrow up to $500,000, and the interest may be tax deductible!*
Fixed-Rate Equity Loan
A Fixed-Rate Equity Loan** is a good option for members who need a set amount of money for a specific purpose. With this type of loan, you get a fixed interest rate for the life of the loan and the lump sum, in one disbursement. Your monthly payments are fixed as well.
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Home Equity Loans & Lines of Credit
Remodeling? Need extra cash? Tap into the value of your home. We have two great home equity options to choose from.
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Contact a Golden 1 Home Loan Advisor
1-800-917-9000
Mon-Fri 7 a.m. – 7 p.m. and Sat 9 a.m. – 5 p.m.
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Email us
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All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions.
*Consult your tax advisor. Golden 1 does not provide tax advice.
**Limited to one- to four-family owner-occupied units, vacation properties, and investment properties located in the state of California. Excludes mobile homes. Before your equity loan or line of credit is funded, all loans secured by your home other than your first mortgage must be paid off. Subject to property valuation. Property insurance required. Flood insurance may be required. All programs and maximum combined loan-to-values (CLTV) are subject to change or termination without notice. An early closure fee of $500 will be assessed if the loan is paid in full within three years for our "Equity My Way Line of Credit" and two years for our Fixed-Rate Equity Loans, from the date of opening. Contact the credit union for terms and conditions for refinancing an existing Golden 1 equity loan. Other programs are available. Your maximum loan amount will be calculated using the combined loan-to-value of your existing first fixed-rate mortgage and new second mortgage according to current guidelines.