Fixed Rate Home Equity Loan

The best part about owning a home is the equity you have in it.

When you're ready to consolidate your debts, make home improvements, or pay off education or medical bills, a Home Equity Loan can be an excellent financing choice.

Which home equity option is right for you?

• First, decide whether you want a line of credit or a fixed rate loan
• Choose a Home Equity Line of Credit (HELOC) if you want easy access to your home's equity but don't need it all at once
• Choose a home equity fixed loan if you want to receive the entire loan amount at once

Member Testimony from Stan Strizhevsky

"Super easy loan process, great terms, super service.  It was the fastest loan I've ever gotten.  Dianne was very pleasant & easy to work with."

Contact one of our representatives in the Loan Department. We'll walk you through the entire process and help you secure the best program and interest rate available to you.

*Annual Percentage Rate is based on credit score, LTV and term.  Late fee is $15. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the credit union for APR, terms, and conditions on HE loans. Not available for refinance of an existing Lassen County Federal Credit Union HE loan. Rates are effective as of 10/08/2009.

¹Example of 5.75% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $362.18 amortized over 84 months.  Rate of 5.75% APR is only available for terms amortized for up to 7 years with a CLTV of 80% or less.  Rate will increase based on a CLTV greater than 80%.  Rates, APR's, terms and conditions subject to change without notice.  Subject to property valuation.  Limited to a single family residence located in Lassen, Plumas or Shasta County.  Mobile homes 15 years old and newer on a permanent foundation have a CLTV no greater than 80%.  Loans secured by your home other than your first mortgage must be paid off at the time of account funding.  Other restrictions on property may apply.  Property insurance required.  Flood insurance may be required.  Other programs, rates, and terms may be available.

²Example of 6.15% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $279.42 amortized over 120 months.  Rate of 6.15% APR is only available for terms amortized for up to 10 years with a CLTV of 80% or less.  Rate will increase based on a CLTV greater than 80%.  Rates, APR's, terms and conditions subject to change without notice.  Subject to property valuation.  Limited to a single family residence located in Lassen, Plumas or Shasta County.  Mobile homes 15 years old and newer on a permanent foundation have a CLTV no greater than 80%.  Loans secured by your home other than your first mortgage must be paid off at the time of account funding.  Other restrictions on property may apply.  Property insurance required.  Flood insurance may be required.  Other programs, rates, and terms may be available.

³Example of 6.25% APR is based on $25,000 loan, up to 80% Combined Loan-to-Value (CLTV) with principal and interest payment of $214.36 amortized over 180 months.  Rate of 6.25% APR is only available for terms amortized for up to 15 years with a CLTV of 80% or less.  Rate will increase based on a CLTV greater than 80%.  Rates, APR's, terms and conditions subject to change without notice.  Subject to property valuation.  Limited to a single family residence located in Lassen, Plumas or Shasta County.  Mobile homes 15 years old and newer on a permanent foundation have a CLTV no greater than 80%.  Loans secured by your home other than your first mortgage must be paid off at the time of account funding.  Other restrictions on property may apply.  Property insurance required.  Flood insurance may be required.  Other programs, rates, and terms may be available.

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Lassen County Federal Credit Union • 2605 Riverside Dr. • Susanville, Ca 96130
Tel: (530) 257-7736 • Fax: (530) 257-9042