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Unlock your home's potential our Home Equity Line of Credit (HELOC)

Tucoemas new and improved HELOC allows you to borrow up to 80%* of your home value to help cover life's expenses. With this set credit limit, you can borrow as you need, for whatever you need, and with each payment towards your borrowed balance, your line of credit is replenished, similar to a credit card. Apply today and take advantage of interest only payments during the draw period!


  • Competitive rates
  • Quick approval and closure process
  • No application fees
  • No annual fees
  • No pre-payment penalty
  • No closing cost (subject to 3 yr. recapture period)
  • Finance options available for a second home or investment properties.
You also have quick access to funds through checks, online/mobile banking, branch, or through phone!
Questions? Contact us.



[email protected]

See what your home can do for you.

Apply Today

Don't want to apply online?
You can pick up a HELOC package at any branch location or contact our loan department at 559-732-8892 to have a HELOC package mail to you.

The Annual Percentage Rate (“APR”) is variable, based on an index plus a margin and subject to change. The margin is based on your credit rating. A new account in which no funds will be used to pay off an existing account will receive a preferential margin which is a reduction in the standard margin of one percent, by one half percent (0.50%). The APR includes only interest and no other costs. The draw period is 10 years; after the draw period ends, the length of repayment will be either 180 months or 120 months depending on the home equity plan. A HELOC is secured by a first or second mortgage lien on your home, which must be single family residence, condominium or townhouses, Manufactured Homes and excludes Mobile Homes. It is available for up to 80% of the combined loan-to-value of the property securing the loan, and only on properties located in California. Rates and terms subject to change without notice. Credit is subject to credit review and approval; not all applicants will qualify. Flood and property hazard insurance may be required. Other restrictions apply.


  • Tucoemas Federal Credit Union is federally insured by NCUA 
  • Equal Housing Lender
  • Equal Opportunity Employer