Own Your Home and Need a Low-Cost Loan? We Have Great News!

We’re Introducing Our NEW Home Equity Line of Credit (HELOC)

The EQUITY in your home is like money in the bank. A HELOC is your lowest cost source of funds for home improvement, college tuition, bill consolidation and more!

Our Flexible New HELOC Offers:

  • A special 3.99% APR* introductory Fixed rate for 12 months
  • Appraisal and loan costs waived up to $1,000*
  • Credit lines from $25,000 to $200,000
  • Interest-only payment option
  • Easy access to funds

Apply for your HELOC today or call our Mortgage & HELOC Specialists at (877) 296-8728.

Offer ends September 30, 2018.

Not a PPCU member yet? Join today!

*APR = Annual Percentage Rate. The promotional rate of 3.99% APR is fixed for the first 12 months from the funding of your line of credit. Immediately following the introductory rate period, the rate will convert to the index value then in effect, plus/ minus a margin based on credit rating. This rate will be variable thereafter, subject to change monthly based on the Prime Rate as published in The Wall Street Journal. Lowest rates are based on Prime minus 0.25%. The minimum rate is 4% APR (excluding the promotional rate) and the maximum rate is 18% APR. During the 10-year draw period, you may pay only the interest accrued on the balance monthly. After the draw period, the loan is then amortized over a payback period and you begin to pay the principal and interest monthly. The maximum Loan-to-Value (LTV) is 80% if your first mortgage is with PPCU, or 75%, if it is with another lender. All loans subject to credit approval. Other conditions and restrictions may apply. Call us for complete disclosure. Offer valid through September 30, 2018.

Postal and Civil Service Employees

PPCU is the only Greater San Francisco area credit union dedicated to serving U.S. Postal and Civil Service employees and their families.

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