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What Could You Do With A HELOC?

What could you do with a HELOC?

How about a vacation?  Or maybe a new car, your own private backyard oasis, an upgraded kitchen, or a child’s college tuition?  Make it all happen with a Home Equity Line of Credit (HELOC) from PLCU with low rates.*  Plus, the interest you pay may even be tax deductible.†

Use the equity that you’ve already established in your home — and unlock the door on the many possibilities that you’ve been delaying for so long.  Start building the pool you have always wanted.  Pay-off your high-interest credit cards, consolidate your debt, or take a dream vacation… the possibilities are endless and completely up to you!

  • No up front fees**
  • No Closing Costs
  • No annual fee
  • Up to 100% tax deductible†
  • Easy check access
  • Borrow from $10,000 to $250,000
  • Loan-to-value options up to 80% available
  • No pre-payment penalties

You can also download PDF Real Estate Loan Documentation packages.  Just print and complete the appropriate loan package and either drop it off or mail it to your local PLCU branch for processing.  Please include all supporting information/documentation requested on the program cover letter to expedite processing.




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PLCU Web Chat available:
9am to 5pm Monday-Friday
9am to 4pm on Saturday


*APR = Annual Percentage Rate.  Rate may vary and is currently as low as 0.25% above Wall Street Prime with a lifetime cap of 6% above the initial non-promotional rate.  Maximum APR is 18% above the initial rate.  Owner-occupied, 1-4 family properties located in California only.  **No appraisal fees, points, or closing costs.  A lien will be required on the subject property.  †Consult your tax advisor for details.

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National Credit Union Association Equal Housing Lender America's Credit Unions

Your savings Federally insured to $250,000
by the NCUA, National Credit Union Administration,
a US government agency.  Point Loma Credit Union
is an Equal Housing Lender.

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