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Special Offers

2qheloc newOur HELOC is exactly what you need because it has everything you need! 

  • Competitive low rates tied to the Prime Rate**
  • Lines of credit from $10,000 up to $150,000†; minimum draw as little as $10,000!
  • Free application + no annual fee
  • Enjoy possible tax advantages (consult your tax advisor)
  • Get easy access to funds—by phone, check, transfer or in person!

Complete a home improvement project, take your dream vacation or consolidate debt!

WHFCU’s Home Equity Line of Credit is a low cost way of leveraging the equity in your home. Let us help you look forward to doing all the things you want to do!

Apply today for a Home Equity Line of Credit! Call us at (925) 524-5626

*WHFCU will waive the application fee for all applicants. No annual fee. Appraisal fee will be collected at time of application and may vary from $450 to $750. The appraisal fee will be reimbursed with a minimum draw of $50,000 upon funding of the loan. APR=Annual Percentage Rate. Applicant must qualify for loan. Scheduled rate change dates occur on the 1st business day of January, April, July and October. APR will never increase above 15.00%. Minimum advance of $10,000 is required at opening. Subsequent advances are a minimum of $500. Maximum number of advances per quarter is four (4). An early-termination fee of $500 applies if the loan is closed within the first 2 years. This offer is subject to other restrictions, terms and conditions as stated by the Open-End Home Equity Credit Agreement & Truth-In-Lending Disclosure, copies of which are available from WHFCU. Rates and terms are subject to change without notice. Single unit owner occupied California residence only (single family residence, townhouse or condominium). Adequate property insurance required for life of loan. Flood insurance may be required. **As of 3/26/19, the Prime Rate (as published in the Wall Street Journal) is 5.50%. †80.01 - 90% CLTV for the $10,000 LOC; Up to 70% CLTV for $150,000 LOC


A Summer With Endless Possibilities! 2.99% APR* Introductory Rate2q19 visa alt

You deserve an amazing summer! That’s why, for a limited time, WHFCU is offering 2.99% APR* introductory rates on our VISA credit cards. Use it to go on that vacation, or buy that kayak you’ve been wanting, or simply use it to transfer your existing balances to one convenient card.

  • Credit Lines up to $15,000
  • 25 Day Grace Period (purchase only)
  • No Annual Fees

*APR=Annual Percentage Rate. Offer available for new Visa accounts and on Visa credit limit increases on current accounts of at least $2,000. Introductory rate applies to both purchases and balance transfers. Introductory rate will be available for 12 billing cycles from the date the card is first used. At the end of the 12 billing cycles, the rate will revert back to the risk based pricing rate the member qualified for at the time of application. Rates and terms are subject to change and current underwriting guidelines. Additional restrictions may apply. Offer expires July 31, 2019.

  • Visa Purchases
  • The HELOC you need
  • Real Estate
  • Balance
  • Visa Purchases

    A Summer With Endless Possibilities!

    2.99% APR* Introductory Rate

    Learn More
  • The HELOC You Need!

    Home Equity Line
    of Credit

    1% Rate Discount* for the First Year!

    Learn More
  • Real Estate

    Home Ownership

    Find a Mortgage Loan You Can Love

    Learn More