Make your home one you love. Home Equity Loans and Lines and Credit


Home Equity Loans

  • Overview
  • Rates
  • Resources

RCU provides many home equity and home improvement loan options to meet your needs.

Product Features

Fixed and variable options available for primary, second, and investor properties.

No closing costs up to $200,000 and 80% combined loan to value

Loan amounts up to $500,000 for primary residences

Loan amounts up to $300,000 second and investor properties

Up to 85% combined loan to value for primary residences

Up to 80% combined loan to value second and investment properties

Variable Home EquityLines of Credit
  • Rates adjust with Prime Rate.
Fixed Home Equity Loans
  • Fixed interest rate
Rate Changes

Rates can adjust monthly.

Rates do not adjust.


Payments can adjust depending on current rate and outstanding principal.

Payments do not adjust.


Terms available up to 30 years. Interest Only and Principal & Interest terms available

Terms available up to 30 years.


Ideal for those seeking flexible payments with 10 or 15 year draw periods.

Best for those seeking traditional loan & stable payments.

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!

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If you're interested in opening a Business, Trust, or other type of account, please visit your nearest branch.

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Still need help?

Contact our Member Service Center at 1 (800) 479-7928, Monday through Friday from 7am to 8pm or Saturday from 8am to 5pm PST.

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