Home Equity Lines of Credit (HELOC)

You've got your needs. We've got your back.

Pay the bills. Or buy some thrills. You can do either -- check that, you can do pretty much anything -- with a Frontwave Home Equity Line of Credit. What you won't have to do is come to us (or anyone else) every time you need to lay your hands on some extra funds. After one simple application process, you have your own personal stash of cash to dip into time and time again whenever you want it.

  • Get a credit limit of up to 100%¹ of your primary home's value
  • Enjoy a low introductory rate of 1.70% APR² for 12 months
  • Interest is charged only on the amount borrowed
  • No lender fees, no annual fees, and no closing costs³
  • Access your money with checks or through Online Banking
  • Interest on this loan may also be tax deductible⁴
¹Maximum loan amount is subject to credit qualification and appraised property value. HELOC is only available on owner-occupied California properties including single-family residences, condominium, and two-unit properties. Properties with construction work in progress may not be eligible. Manufactured homes are not eligible. Borrower responsible for payment of property taxes and homeowners insurance.
²APR = Annual Percentage Rate. Offer available for all HELOC applications. Rates and terms effective as of 04/28/2022 and subject to change without notice. Membership and credit subject to rate, terms, and conditions. Other restrictions may apply. The introductory rate of 1.70% APR (intro rate) is applicable for the first 12 months and not based on the index. After that, the rate will adjust to a variable rate based on the Prime Rate plus a margin based on loan parameters. The variable rate will adjust monthly. Maximum rate is 12% APR. Intro 1.70% APR is available on one property and does not apply to subsequent credit limit increases or refinances. 
³Closing costs waived if the loan remains open for at least 36 months from the date of loan funding. For loans closed within 36 months of funding, an Early Closure Fee of $500 will apply.
⁴Consult your tax advisor regarding deductibility of interest.
Enjoy

1.70% Intro APR²

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