Home Equity Loans

Unlock the Power of Your Home's Value

Turn the equity in your home into funding for renovations, education, debt consolidation and more.

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Flexible Options to Fit Your Needs

Choose between a revolving line of credit or a fixed-rate loan.
Both are designed to help you achieve your goals with competitive rates and no hidden fees.

Home Equity Line of Credit

Revolving credit for ongoing projects and unexpected expenses.

Rates as low as 5.25% APR*
Flexible repayment up to 15 years
Finance up to 80% LTV

Example Uses:

Home renovations, Emergency funds

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Fixed‑Rate Home Equity Loan

Ideal for one‑time purchases or major expenses.

Competitive fixed rates starting at 8.24% APR
Flexibility with predictable monthly payments
No hidden fees, easy application

Example Uses:

Major home improvements, Debt consolidation

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Why Choose Alta Vista?

Lower Fees

No annual fees or origination fees on home equity loans and lines of credit, saving you money.

Fast Funding

Online applications and e‑signing mean you can get approved and funded quickly.

Flexible Use

Use your equity for home upgrades, debt consolidation, education or even purchasing an investment property.

Hear From Our Satisfied Members

Great and nice people staff to help us when we need it

great credit union run so professionally, and they really care about all account holders. I've been with Alta Vista since 1987. I have no regrets other then the fact that i have moved out of California.

Everyone treats you as a valued customer and are friendly and always helpful.

Frequently Asked Questions

A HELOC is a revolving line of credit that lets you borrow as needed during a draw period and pay interest only on the amount you use. A fixed home equity loan provides a single lump sum with a fixed interest rate and monthly payment.
A Home Equity Line of Credit (HELOC) is a revolving line of credit that uses your home as collateral. It works similar to a credit card – you can borrow up to a certain limit, repay, and borrow again during the draw period.
No, you only pay interest on the amount you actually borrow, not the entire credit line. This makes HELOCs a flexible and cost-effective borrowing option for many homeowners.
A fixed home equity loan provides a predictable repayment schedule with consistent monthly payments. You receive the entire loan amount upfront, and the interest rate remains the same throughout the loan term.
Use your equity for just about anything: home renovations, debt consolidation, education costs, paying off high‑interest credit cards or even purchasing a vacation or investment property