NOTICE: The San Francisco branch is temporarily closed due to the shelter in place guidelines. The following branches are open: Campbell, Cupertino, Dublin, Fremont, Milpitas, Palo Alto, San Jose, Santa Teresa and Sunnyvale. Our branch ATMs remain operational, with the exception that we may need to temporarily restrict access to select ATMs due to local conditions. Click here for branch locations and hours.

  • Home Equity Line of Credit

    If you want to access funds now and in the future consider a home equity line of credit.

    Re-do your kitchen. Make sure your child's college tuition is ready to go. Or, simply have access to cash on hand when you need it. You can even set up your equity line as an overdraft source for your Tech CU checking account. Rates as low as 3.25%.3


    Check out these benefits:

    • Fast turnaround: Loan approval within one business day.**
    • Convenient access: We're committed to getting papers ready to sign quickly. If you can't get to our offices, we'll bring them to you!
    • Break free from the fee: If your current lender charges an early closure fee, we'll pay it up to $500.
    • Interest may be tax deductible. Refer to your tax advisor.

    For more information about our Home Equity Line of Credit, contact us at (877) 988-0471.

    EFFECTIVE DATE: 4/24/2020

    Home Equity Line of Credit
    Term* Maximum LTV 1 Amount Annual
    Percentage Rate
    25 years 60% $500,001 – $750,000 3.75%2
    25 years 70% $250,001 – $500,000 3.75%2
    25 years 70% $10,000 – $250,000 3.25%3

    Home Equity Line of Credit features:

    • No Cost Loans 7 — no application fees, no closing costs and no annual fee.
    • Use the funds you need — only pay interest on what you use.
    • Available as an overdraft protection source for any Tech CU checking account.
    • Access funds anytime through Online Banking, Call-24 Phone Banking, and convenience checks.
    • Available for owner-occupied properties in California of 1-4 units.
    • Interest-only payments for the first 10 years of the loan; then fully amortized to include principal and interest over the next 15 years.
    • For more information, see the Home Equity Line of Credit Disclosure (PDF).

Give Us a Call

We look forward to chatting with you.

(800) 553-0880

For new loan related inquiries, call

(877) 988-0471

View Our Contact Info

Visit Us in Person

We’re here to serve your needs in person at our San Jose Headquarters. Visit us at 2010 N. First Street, San Jose, CA 95131.
Get Directions

Want More Info?

Interested in learning more about all we have to offer? Receive personal finance tips along with emails focused on key topics. You can even sign up for our monthly newsletter.
Request More Information