Rate and APR: Interest rates and annual percentage rates (APRs) are based on current market rates, are for informational purpose only, and are subject to change without notice. Property must be located in California. Real estate rates and terms are subject to change daily. All loans are subject to credit approval. Not all Members will qualify for maximum loan amount or introductory rate. Second home +0.250 to rate/margin. Investment/Rental property+0.625 to rate/margin.

For home equity line of credit: APR is based on a loan amount of $120,000. Rate cap of 12%. Floor rate of 3.99%. Quarterly rate change. 10 years draw period followed by a 15 year amortized repayment period. Non-recurring closing costs are waived; as long as HELOC is kept open for at least 24 months. If closed before the end of 24 months, borrower must pay all third-party non-recurring closing costs. $50.00 Annual Fee after first year. Annual fee is waived for Platinum Members and is $25.00 for Premier Members.

For home equity loan: APR is based on a loan amount of $120,000. For no-closing-costs option: borrower pays no closing costs (except for recurring costs such as property taxes and insurance premiums). If your loan pays off within the first 24 months after closing, borrower must pay all third-party closing costs.

Points: An amount paid to the lender in order to lower the interest rate. Also known as discount points. One point equals one percent of the loan amount (for example, 1 point on a $100,000 mortgage would equal $1,000).

Payment: This is the total estimated dollar amount you will be expected to pay every month. It consists of Principal & Interest which is what you will pay to repay the amount you borrowed, and the interest that has accrued on that amount over the last month. The payment displayed does not include amounts for hazard insurance or property taxes which will result in a higher actual monthly payment.

Chart data is for illustrative purposes only and is subject to change without notice. Advertised APR is based on a set of loan assumptions that include a borrower with excellent credit (740 credit score or higher), a loan amount or credit line of $120,000, a loan to value (LTV) of 80% or less, and is a primary residence. Your actual APR may differ depending on your credit history and loan characteristics. Accuracy is not guaranteed and products may not be available for your situation.

The minimum monthly HELOC payment is equal to 1 percent of the outstanding principal balance at the end of each statement cycle, with a minimum of $100.