Sonoma Logo
Phone: (707) 527-6216     Fax: (707) 527-6835
Security Information
Forgot My Password?
Online Enrollment Form

Home Equity Loans


Open The Doors For Your Possibilities…

Using your hard-earned savings for major expenses doesn’t always make sense- especially with interest rates at all-time lows.  A better solution for most homeowners is a Home Equity Line of Credit or a fixed-rate Home Equity Loan – two smart ways to use the equity in your home to get the cash you need.  Use the money for remodeling projects, home repairs, a major purchase, emergencies or to pay off higher- rate debt.

Home Equity Line of Credit

If you think you’re borrowing needs will vary over time, a Home Equity Line of Credit is a good choice.  It’s flexible and can be customized to fit your budget and lifestyle.  Simply establish your account today and use the funds as you need them.

  • Credit lines up to $200,000
  • Low variable rate based on the Wall Street Journal Prime Rate
  • Fully amortized payments over 15 years
  • Draw period of 15 years
  • Generally, loan to values up to 70%
  • No points or origination fees
  • Tax deductible interest for most homeowners
  • Easy checkbook access to your funds
  • Low minimum monthly payments

Home Equity Special – Move your existing home equity line of credit balance to us and we will pay the fees!

  • Fixed Rate Home Equity Loan
    If you need money for a one-time expense, a fixed rate Home Equity Loan may be your best option.  It’s perfect for home remodeling or repairs, or anytime you need a lump sum of cash.

    • Get up to $200,000
    • Low fixed rate and low monthly payments
    • Flexible repayment terms of 5, 10 or 15 years
    • No pre-payment penalty
    • Tax deductible interest for most homeowners
    • Minimal fees

It’s easy to get started.  There’s no application fee for either the Home Equity Line of Credit or Home Equity Loan. APPLY online.  Still have questions, give us a call at (707) 527-6216.  For loan rates, click RATES here.


Helpful Tools
  Loan Rates & Terms
  Apply For A Home Loan
  Annual Credit Report
Lost/Stolen VISA Debit Card:
Business Hours: (707) 527-6216
Non-Business Hours: USA: 1-888-241-2510
  Collect: 1-909-941-1398
This credit union is federally insured by the
National Credit Union Administration.
NCUA Equal Housing Lender
  Our Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all people. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at 707-527-6216 for assistance. Products and services available on this website are available at our office located at 1194 Montgomery Drive, Santa Rosa, CA 95405.