Self-help Federal Credit Union : Bakersfield

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Featured Home Equity Rates in California

• Lender

  APR(%)

  Min.Initial Draw Amount

  Learn More

• Sponsored

  Advertiser Disclosure

• Point Digital Finance NMLS ID: 1610752 / Updated 2026-05-26

  Unlock your home equity. Build your future.

  $0

  Get up to $600k. Funding in as few as 5 days. Flexible rate with up to a 30 year term. Fast & Easy Online Application 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 2026-05-22 Equal Housing Lender

  Intro APR: 6.822 % After Intro:6.822 %

  $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

• 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

• CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2026-05-26

  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

• Spring EQ NMLS ID: 1464945 / Updated 2026-05-26

  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

• Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2026-05-26

  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

• Figure Home Equity Line NMLS ID: 1717824 / Updated 2026-05-26 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

• Refi.com NMLS ID: 1907 / Updated 2026-05-26 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

• Point Digital Finance NMLS ID: Not a Lender / Updated 2026-05-26

  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

• AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2026-05-26

  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

• Splash Financial NMLS ID: 1630038 / Updated 2026-05-26 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

• 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

• Refi.com NMLS ID: 1907

  0.000%

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

  Keep more money in your pocket by rolling closing costs into your loan Maximize your savings with custom options that fit your financial goals Tap into your home’s equity with a cash-out refinance Learn More

• District Lending NMLS ID: 1835285

  6.005%

  $1,893 Fees & Points $4,499 Total 0.750 Pts ($2,400) $2,099 Fees

  Get an exceptional mortgage rate, be happy. Learn More

• Home Simply NMLS ID: 2473786

  6.334%

  $1,971 Fees & Points $2,858 Total 0.551 Pts ($1,763) $1,095 Fees

  Simple loans for your dream home! Learn More

• Allied Mortgage Group, Inc. NMLS ID: 1067

  6.340%

  $1,971 Fees & Points $3,059 Total 0.956 Pts ($3,059) $0 Fees

  Streamlined Process Expertise Customer Service Learn More

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

  6.343%

  $1,971 Fees & Points $3,158 Total 0.987 Pts ($3,158) $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

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

  6.362%

  $1,971 Fees & Points $3,895 Total 0.889 Pts ($2,845) $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

• Watermark Home Loans NMLS ID: 1838

  6.370%

  $1,971 Fees & Points $4,182 Total 0.798 Pts ($2,554) $1,628 Fees

  Lower Rates and Payments Start Here Direct Lending • 14–21 Day Average Closings Refinance Direct. Save More. Learn More

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

  6.371%

  $1,945 Fees & Points $8,413 Total 0.504 Pts ($1,613) $6,800 Fees

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

• DECO Mortgage NMLS ID: 2561451

  6.415%

  $1,971 Fees & Points $5,730 Total 0.901 Pts ($2,883) $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

• Beeline Loans, Inc. NMLS ID: 1799947

  6.425%

  $1,997 Fees & Points $1,690 Total 0.528 Pts ($1,690) $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

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

  6.440%

  $1,997 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

• Simply PMG NMLS ID: 133739

  6.455%

  $1,997 Fees & Points $2,687 Total 0.435 Pts ($1,392) $1,295 Fees

  Simpler Process. Better Price. Learn More

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

  6.473%

  $1,997 Fees & Points $3,521 Total 0.714 Pts ($2,285) $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

• Northpointe Bank NMLS ID: 447490

  6.474%

  $1,997 Fees & Points $3,341 Total 0.608 Pts ($1,946) $1,395 Fees

  Great Rates Personal Service FDIC insured banking institution. Learn More

• Pro Mortgage Funding LLC NMLS ID: 2119829

  6.489%

  $1,997 Fees & Points $3,829 Total 0.823 Pts ($2,634) $1,195 Fees

  Fast Refinance Options to Lower Rates or Pull Cash Learn More

• PenFed Credit Union NMLS ID: 401822

  6.506%

  $1,997 Fees & Points $4,395 Total 0.750 Pts ($2,400) $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

• Loansteady NMLS ID: 1701910

  6.535%

  $2,021 Fees & Points $1,495 Total 0.000 Pts ($0) $1,495 Fees

  Consolidate debt or renovate your home Easy online application process Low Rates: Quick Quote and Approval Learn More

• SoFi NMLS ID: 696891

  6.758%

  $2,049 Fees & Points $4,426 Total 0.916 Pts ($2,931) $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

• 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

• 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

• 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

• 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 .