Parent and child painting new home together

Tap Into Home Equity

You've already got what it takes

Apply For HELOC

Are you currently a member of BluPeak Credit Union?

Apply for Fixed-Rate Home Equity Loan


Must meet membership and account criteria. All loans subject to credit approval. Rates, terms and conditions subject to change. APRs valid as of 5/15/2024. Some costs and restrictions apply. Home Equity Line of Credit: Property must be owner-occupied, single-family residence or 1–4 story condominium in California only. Maximum loan amount 70% combined Loan-To-Value (LTV).

No-closing costs are offered on HELOCs per the terms below and are available on fixed-rate home loans for a slightly higher rate. BluPeak will cover the following closing costs (fees): flood certification, title insurance, escrow, credit report, condo processing, mortgage recording, notary, trust documentation, release of third-party mortgage and automated valuation. If the loan is closed within three years of origination, an Early Account Closure Fee of up to $500 will be assessed to recover to cost of the fees paid by credit union. A Reconveyance Fee is charged when the line is closed and the balance is paid in full. The $50 Annual Fee is waived the first year and assessed on each annual loan anniversary date thereafter if the outstanding balance falls below $10,000. An optional appraisal may be required based on the automated valuation findings, the requested loan amount and LTV. If an appraisal is ordered, the actual cost will be paid by you.

  1. Check with your tax professional for more information.
  2. The rate is variable and may adjust monthly but at no time can the interest rate be below our floor rate of 3.99% and cannot exceed the max rate of 15.00% APR.