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Deposit Rates - April 30, 2026

Featured Home Equity Rates in California

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2026-04-30 Equal Housing Lender

  Tap into your home's equity & access the funds you need with a HELOC

  $0

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K* Access cash when you need it Learn More

• Farmers Bank of Kansas City NMLS ID: 613839 / Updated 2026-03-20 Equal Housing Lender

  Intro APR: 6.750 % After Intro:6.750 %

  $25,000

  Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV Learn More

• Owning.com NMLS ID: 2611 / Updated 2026-04-29 Equal Housing Lender

  Intro APR: 6.820 % After Intro:6.820 %

  $25,000

  Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. Learn More

• Rate.com NMLS ID: 2611 / Updated 2026-04-29 Equal Housing Lender

  Intro APR: 6.823 % After Intro:6.823 %

  $25,000

  Nation's #2 retail mortgage lender in 2024. Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. No in-person appraisal needed. Learn More

• Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US Learn More

• Valley Strong Credit Union NMLS ID: 456506 / Updated 2025-10-29 Equal Housing Lender

  Intro APR: 6.950 % After Intro:6.950 %

  $15,000

  Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years Learn More

• Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22

  Intro APR: 5.990 % After Intro:7.000 % Intro Period: 12 months

  $25,000

  Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2026-02-16 Equal Housing Lender

  Intro APR: 7.375 % After Intro:7.375 % Intro Period: 7 months

  $25,000

  Borrow up to $500,000* Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today Learn More

• Refi.com NMLS ID: 1907 / Updated 2026-04-30 Equal Housing Lender

  Access your home’s equity without replacing your current mortgage

  $0

  Access your home’s equity without replacing your current mortgage Put your home’s equity to work on your terms Flexible funds for renovations, debt consolidation, or major expenses Refi.com connects you with home equity lending specialists Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-04-30

  Home Equity Loans & Refinance – Cash out

  $0

  Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business Learn More

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-04-30 Equal Housing Lender

  HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.

  $0

  Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project Learn More

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-04-30

  Get cash now in exchange for a percentage of your homes future equity.

  $0

  No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance Learn More

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-04-30

  Unlock Your Home's Potential

  $0

  Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans Learn More

• Point Digital Finance NMLS ID: Not a Lender / Updated 2026-04-30

  Get up to $600k with no monthly payments, ever.

  $0

  Use your funds your way No income verification - ideal for self-employment or retirement planning Enjoy maximum flexibility - 30 year term, no prepayment penalties Home Equity Investments are not considered a loan in all states Learn More

• Splash Financial NMLS ID: 1630038 / Updated 2026-04-30 Equal Housing Lender

  Cash in with a HELOC

  $0

  Borrow up to $500,000* Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today Learn More

• Spring EQ NMLS ID: 1464945 / Updated 2026-04-30

  The leader for homeowners tapping cash from their homes since 2016.

  $0

  Access up to 90% of your home's equity, up to a maximum of $500,000. FIXLINE: The flexibility of a HELOC with the stability of a HELOAN. A fixed rate for life- no need to worry about fluctuating rates. We make it easy - and fast - to access your cash (as little as 11 days). Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .

Featured 30-Year Fixed Mortgage Rates in California

• Lender

  APR(%)

  Monthly Payment

  Learn More

• Sponsored

  Advertiser Disclosure

• Pentagon Federal Credit Union NMLS ID: 401822

  0.000%

  $0 Fees & Points $0 Total 0.000 Pts ($0) $0 Fees

  Fixed rate is locked-in for the life of the loan PenFed makes home ownership affordable. Federally insured by NCUA Military service is not required for membership. Equal Housing Lender Learn More

• District Lending NMLS ID: 1835285

  5.890%

  $1,868 Fees & Points $4,899 Total 0.875 Pts ($2,800) $2,099 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Saxton Mortgage NMLS ID: 1717191

  5.979%

  $1,893 Fees & Points $3,695 Total 0.750 Pts ($2,400) $1,295 Fees

  Proud to help you find the home loan of your future. Learn More

• iheartloan Inc. NMLS ID: 2562839

  6.096%

  $1,893 Fees & Points $7,681 Total 0.750 Pts ($2,400) $5,281 Fees

  Where Heart Meets Home Superior Rates, Unmatched Service Learn More

• Northpointe Bank NMLS ID: 447490

  6.109%

  $1,919 Fees & Points $3,750 Total 0.736 Pts ($2,355) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• Future First Lending NMLS ID: 2126430

  6.116%

  $1,919 Fees & Points $3,995 Total 0.875 Pts ($2,800) $1,195 Fees

  Save thousands with our ultra-competitive rates More loan options, better deals, bigger savings Local California mortgage experts on your side Learn More

• Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894

  6.158%

  $1,893 Fees & Points $9,843 Total 0.951 Pts ($3,043) $6,800 Fees

  A brand you know and trust Quick and efficient process Mortgage products to fit your needs Learn More

• LoanFlight Lending, LLC NMLS ID: 1522344 License#: 60DBO60154

  6.189%

  $1,945 Fees & Points $2,221 Total 0.694 Pts ($2,221) $0 Fees

  Charges $0 in Lender Fees Get an Online Quote in Seconds 100% Online Process or Speak Directly with a Loan Officer Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  6.202%

  $1,945 Fees & Points $2,608 Total 0.815 Pts ($2,608) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• River City Mortgage LLC NMLS ID: 142954 License#: 60DBO-44759

  6.222%

  $1,945 Fees & Points $3,405 Total 0.736 Pts ($2,355) $1,050 Fees

  Talk to a Pro, Not a Prompt. No bots. No nonsense. Just real people. Accessible. Authentic. Transparent. We answer and make it make sense. From pre-approval to closing — we’re all in. Learn More

• Home Simply NMLS ID: 2473786

  6.222%

  $1,945 Fees & Points $3,348 Total 0.704 Pts ($2,253) $1,095 Fees

  Simple loans for your dream home! Learn More

• AimLoan.com NMLS ID: 2890 License#: 413-0477

  6.235%

  $1,945 Fees & Points $3,982 Total 0.858 Pts ($2,746) $1,236 Fees

  Certified Upfront Lender! Online Loan Estimate! Apply & Lock Rate 24/7! 26 Years' Experience Get Your FREE Instant Rate Quote Learn More

• Pro Mortgage Funding LLC NMLS ID: 2119829

  6.245%

  $1,945 Fees & Points $4,110 Total 0.911 Pts ($2,915) $1,195 Fees

  Fast Refinance Options to Lower Rates or Pull Cash Learn More

• PenFed Credit Union NMLS ID: 401822

  6.277%

  $1,945 Fees & Points $5,195 Total 1.000 Pts ($3,200) $1,995 Fees

  Let PenFed Bring You Home With Confidence Benefits before and after you refinance Lower your payment, get cash out, and more Learn More

• DECO Mortgage NMLS ID: 2561451

  6.296%

  $1,945 Fees & Points $6,028 Total 0.994 Pts ($3,181) $2,847 Fees

  $0 Lender Fee. Never pay lender fee's with Deco! Same Day Pre-Qualification (As fast as 30 minutes). Single Point of Contact: Paired with your own mortgage professional. Learn More

• Refi.com NMLS ID: 1907 License#: California

  6.315%

  $1,971 Fees & Points $2,202 Total 0.688 Pts ($2,202) $0 Fees

  Lower your monthly mortgage payment with a streamlined refinance Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Learn More

• Better.com NMLS ID: 330511

  6.349%

  $1,971 Fees & Points $3,360 Total 0.739 Pts ($2,365) $995 Fees

  The Right Mortgage could save you Thousands! Learn More

• West Capital Lending NMLS ID: 1566096

  6.351%

  $1,971 Fees & Points $3,420 Total 0.664 Pts ($2,125) $1,295 Fees

  Let's CrunchtheNumbers and See if a Refinance Makes Sense for You Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.441%

  $1,997 Fees & Points $2,208 Total 0.690 Pts ($2,208) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

• New American Funding, LLC. NMLS ID: 6606

  6.595%

  $2,023 Fees & Points $3,168 Total 0.990 Pts ($3,168) $0 Fees

  Direct Lender offering low rates, fast closings, and impeccable service FHA, VA, Conventional, HARP, Jumbo and Reverse Mortgage All-inclusive Direct Lender – no broker fees Learn More

• SoFi NMLS ID: 696891

  6.619%

  $2,021 Fees & Points $4,321 Total 0.883 Pts ($2,826) $1,495 Fees

  Get pre-qualified in minutes Simple, online application Customize your monthly payment to fit your budget Learn More

• Beeline Loans, Inc. NMLS ID: 1799947

  Fees & Points Total Pts ($0) $0 Fees

  Apply in less than 10 minutes. Fast, stress-free closing in as little as 16 days More loan types so you’re more likely to qualify Learn More

• AmeriSave Mortgage Corporation NMLS ID: 1168 License#: 4130574

  Fees & Points Total Pts ($0) $0 Fees

  Low rates, quick quote & approval 92% of clients discover savings in Real savings, real fast - $1100 avg monthly savings Learn More

• Quicken Loans NMLS ID: 167283

  Fees & Points Total Pts ($0) $0 Fees

  Your home's value could help you save. Turn your equity into opportunity. Calculate your home equity loan options with lenders. Learn More

• Rocket Mortgage NMLS ID: 3030

  Fees & Points Total Pts ($0) $0 Fees

  Turn home equity you've earned into cash Single, convenient monthly payments Reduce interest with shorter loan terms Learn More

• Veterans United Home Loans NMLS ID: 1907

  Fees & Points Total Pts ($0) $0 Fees

  Refinance to lower your rate Free up room in your budget by paying off high-interest debt Explore 350,000+ 5-star reviews Learn More

• Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .