Home Equity Line of Credit (HELOC)

Leverage your home’s equity to fund renovations, education, emergencies, or your next big idea—at a rate that works for your budget.

Our Home Equity Line of Credit (HELOC) gives you low-rate, flexible access to the equity you’ve built in your home. Whether you're upgrading your space, paying for college, or consolidating debt, EFCU offers affordable financing backed by personalized local service.

Get pre-approved today and tap into your home’s potential with a HELOC that puts you in control.

Apply Online View Rates

Access Home Equity

Turn your home’s value into flexible financing for improvements, education, or debt consolidation.

Low, Competitive Rates

Enjoy affordable monthly payments with one of the most competitive HELOC rates in Escondido.

Borrow When You Need

Only borrow what you need—when you need it. Funds are available anytime during your draw period.

Trusted Local Lending

Work directly with our local credit union team, committed to making financing personal and hassle-free.

Frequently Asked Questions

A HELOC is a revolving line of credit that uses your home's equity as collateral. You can borrow as much or as little as you need, up to your credit limit, and only pay interest on the amount you use.

You can use your HELOC for home renovations, education costs, medical expenses, travel, or even debt consolidation—anything life throws your way.

You can apply online, visit one of our local branches, or call us directly to speak with a lending specialist. We’ll guide you through the process and help you choose the best option.

Some HELOCs may have application, appraisal, or annual fees. We’re upfront about all fees—visit our Fee Schedule for the latest info.