Up to 70% LTV
Minimum Loan Amount $5,000
Maximum Loan Amount $200,000 Non-Rental Property Only

Product	APR
	4.74%1
HELOC Rate	As Low As Prime -0.25%

Click here to view disclosures

*	Maximum APR during the term of this Note will not exceed the non-discounted APR in effect at the time of funding by more than 7%. Additional closing costs and fees may be applicable if the mortgage loan is in the 1st position. A $275.00 application fee will be refunded at time of funding. No points, though members may pay some closing costs, such as appraisal and title search for loans over $100,000. A $500 closure fee will be charged if closed within 36 months unless property is sold. 10 year draw period. 15 year pay-back period.
1	Introductory rate as low as 4.74% for 6 months. Introductory rate varies based on credit score. After the introductory period the rate reverts to the standard HELOC rate at that time for that product. Rates subject to change without notice.
	APR = Annual Percentage Rate LTV = Loan-to-value All Rates Subject to Change Rates Effective October 6th, 2008. EQUAL OPPORTUNITY LENDER

Home Equity Line of Credit (HELOC)

HELOC details:

SMCUs Home Equity Line of Credit (HELOC) gives you the flexibility and convenience of a credit card.

• It's a revolving line of credit, with a variable interest rate, based on the available equity in your home and other qualifying criteria.
• Maximum loan amount $200,000.
• A HELOC is a good choice if you want to have money available for both current and future needs.
• Combined Loan-to-values (CLTV) to 70%.
• First 10 years to draw on line of credit, then 15 years to repay loan.

Have questions?
Call a Real Estate Specialist at (650) 363-1799 or visit a branch near you—we're happy to answer any questions you have.

Ready to apply?
Click here to apply now.

Unsure if a HELOC is right for you?
See a detailed comparison of our Home Equity Lines of Credit and Home Equity Loans.

1 Up to $100,000
APR - Annual Percentage Rate as low as 4.74% APR is valid for the first 6 months Thereafter, the rate is variable and tied to Prime as reported in the Wall Street Journal. APR will be as low as Prime minus 0.25% or as high as Prime plus 1.25%. Current Prime Rate is 5.00% as of 4/30/2008. The maximum APR will not exceed seven points above the fully indexed rate. All loans are subject to credit, debt, and property value qualifications. Up to 70% combined loan-to-value financing. Maximum loan amount $200,000. Homes must be owner-occupied and located in California. A $10 membership fee is required for new members. A $275 application fee will be refunded at time of funding. No points. Members may pay some closing costs, such as appraisal and title search for loans over $100,000 and for a mortgage in first position. A $500 closure fee will be charged if the loan is closed within 36 months, unless property is sold. Limited-time offer. Rates and terms are subject to change without notice.