Best Home Equity Line of Credit Rates for California, CA
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Upstart Home Lending
NMLS ID: 2443873 / Updated 2026-02-14As low as 6.52% APR on your initial draw* -
Intro APR: 6.240 %
After Intro:6.240 %
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Achieve Loans
NMLS ID: 1810501 / Updated 2025-09-30Intro APR: 6.740 %
After Intro:6.740 %
$0 -
Intro APR: 6.817 %
After Intro:6.817 %
$25,000 -
Intro APR: 6.819 %
After Intro:6.819 %
$25,000 -
Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months
$25,000 -
Intro APR: 7.625 %
After Intro:7.625 %
Intro Period: 8 months
$25,000 -
Upstart Home Lending
NMLS ID: 2443873 / Updated 2026-02-11Intro APR: 7.770 %
After Intro:7.770 %
$20,800 -
Cash in with a HELOC -
Point Digital Finance
NMLS ID: Not a Lender / Updated 2026-02-14Get up to $600k with no monthly payments, ever. -
Unlock Technologies, Inc.
NMLS ID: Not a Lender / Updated 2026-02-14Get cash now in exchange for a percentage of your homes future equity. -
Renofi
NMLS ID: 1802847 / Updated 2026-02-14Renovating? Work with experts in renovation financing -
AmeriSave Mortgage Corporation
NMLS ID: 1168 / Updated 2026-02-14Home Equity Loans & Refinance – Cash out -
California Credit Union
NMLS ID: 401403 Updated 2025-10-10Intro APR: 5.990 %
After Intro: 8.750 %
Intro Period: 12 months
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Los Angeles Federal Credit Union
NMLS ID: 440742 Updated 2025-10-10Intro APR: 5.990 %
After Intro: 8.250 %
Intro Period: 12 months
$0 -
USC Credit Union
NMLS ID: 448984 Updated 2025-10-107.650 %
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Tri Counties Bank
NMLS ID: 458732 Updated 2025-10-10Intro APR: 5.750 %
After Intro: 8.500 %
Intro Period: 6 months
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HSBC
NMLS ID: 399799 Updated 2025-10-10Intro APR: 5.740 %
After Intro: 8.150 %
Intro Period: 12 months
$25,000 -
Alaska USA Federal Credit Union
NMLS ID: 409001 Updated 2025-10-108.750 %
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First Tech FCU
NMLS ID: 732452 Updated 2025-10-107.750 %
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Navy FCU
NMLS ID: 399807 Updated 2025-10-107.750 %
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Washington Trust Bank
NMLS ID: 728368 Updated 2025-10-108.000 %
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Firefighters First Credit Union
NMLS ID: 649058 Updated 2025-10-108.000 %
$0 -
Police Credit Union of California
NMLS ID: 409710 Updated 2025-10-108.750 %
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Arrowhead CU
NMLS ID: 763460 Updated 2025-10-108.750 %
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Financial Partners CU
NMLS ID: 401427 Updated 2025-10-10Intro APR: 5.990 %
After Intro: 7.750 %
Intro Period: 6 months
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SchoolsFirst FCU
NMLS ID: 405503 Updated 2025-10-10Intro APR: 4.990 %
After Intro: 7.250 %
Intro Period: 6 months
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Patelco CU
NMLS ID: 506373 Updated 2025-10-10Intro APR: 6.490 %
After Intro: 8.000 %
Intro Period: 6 months
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Los Angeles Police Federal Credit Union
NMLS ID: 506268 Updated 2025-10-10Intro APR: 5.740 %
After Intro: 8.500 %
Intro Period: 12 months
$5,000 -
San Francisco FCU
NMLS ID: 416906 Updated 2025-10-107.500 %
$10,000 -
Bank of America
NMLS ID: 399802 Updated 2025-10-10Intro APR: 5.990 %
After Intro: 8.750 %
Intro Period: 6 months
$100,000 -
Safe CU
NMLS ID: 466072 Updated 2025-10-10Intro APR: 5.490 %
After Intro: 7.750 %
Intro Period: 6 months
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NuVision FCU
NMLS ID: 447411 Updated 2025-10-10Intro APR: 4.990 %
After Intro: 7.750 %
Intro Period: 12 months
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Golden 1 CU
NMLS ID: 669333 Updated 2025-10-10Intro APR: 5.115 %
After Intro: 8.000 %
Intro Period: 6 months
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San Diego County CU
NMLS ID: 580585 Updated 2025-10-109.000 %
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Comerica Bank
NMLS ID: 480990 Updated 2025-10-10Intro APR: 5.990 %
After Intro: 8.500 %
Intro Period: 6 months
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Stanford FCU
NMLS ID: 729643 Updated 2025-10-10Intro APR: 6.500 %
After Intro: 7.500 %
Intro Period: 6 months
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California Bank & Trust
NMLS ID: 576583 Updated 2025-10-10Intro APR: 6.000 %
After Intro: 8.750 %
Intro Period: 6 months
$0 -
First Financial CU
NMLS ID: 782737 Updated 2025-10-10Intro APR: 5.990 %
After Intro: 8.750 %
Intro Period: 12 months
$0 - 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 .
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Westfield Bank
1.993 % Varies -
Academy Bank, National Association
2.490 % Varies -
Centreville Bank
2.990 % Varies -
Pentagon Federal Credit Union
3.750 % Varies -
Wheaton Bank & Trust, National Association
3.790 % Varies -
Citibank
3.990 % Varies -
Cathay Bank
4.250 % Varies -
Educational Employees Credit Union
4.250 % Varies -
Orrstown Bank
4.350 % Varies -
Bank Of Stockton
4.500 % Varies -
State Employees' Credit Union
4.500 % Varies -
Armed Forces Bank, National Association
4.740 % Varies -
State Employees Cu Of Maryland, Inc Credit Union
4.750 % Varies -
Wescom Central Credit Union
4.750 % Varies -
Alliant Credit Union
4.750 % Varies -
Everbank, National Association
5.500 % Varies -
Virginia Credit Union, Inc.,
5.500 % Varies -
Citizens Equity First Credit Union
5.540 % Varies -
United Nations Federal Credit Union
5.630 % Varies -
Tri Counties Bank
5.740 % Varies -
Charles Schwab Bank, Ssb
5.740 % Varies -
Navy Federal Credit Union
5.750 % Varies -
First Technology Federal Credit Union
5.750 % Varies -
Jovia Financial Federal Credit Union
5.990 % Varies -
Redwood Credit Union
6.000 % Varies -
Bank Of America, National Association
6.490 % Varies -
Logix Federal Credit Union
6.490 % Varies -
Mufg Union Bank, National Association
6.740 % Varies -
Exchange Bank
6.750 % Varies -
El Dorado Savings Bank, F.s.b.
6.750 % Varies -
Meridian Bank
6.750 % Varies -
San Diego County Credit Union
7.000 % Varies -
St. Anne's
7.490 % Varies -
First Community Credit Union Of Chesterfield
7.490 % Varies -
Fall River Five Cents Savings Bank
7.500 % Varies -
Unity Bank
7.750 % Varies -
Harborone Bank
8.490 % Varies -
D. L. Evans Bank
8.500 % Varies -
The Bank Of Princeton
8.500 % Varies -
Star One Credit Union
8.500 % Varies -
Patelco Credit Union
8.500 % Varies -
U.s. Bank National Association
8.650 % Varies
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