Home Equity Loans

Build, buy or do anything using your home's equity.

Home equity funds are often used for remodeling projects - and who wouldn't want a better kitchen, a bigger family room or a beautiful patio? But in addition to competitive rates, CoastHills Home Equity Loans and Lines of Credit come with endless possibilities. Make a major purchase, set off on a fun vacation, pay college tuition, cover medical bills or take care of anything else life brings your way.

Already have an application? Check your borrower portal for updates on your loan.

Two attractive choices

Get your funds all at once - or access a Line of Credit whenever the need arises.

Good advice

A CoastHills Mortgage Loan Officer can help you decide which option works best for your needs.

Sky's the limit

Home equity funds can be used for pretty much anything, from wedding celebrations to roof renovations.

  • Get money in one lump sum
  • Fixed rates
  • Full amount advanced up front
  • Available in 15- and 20-year terms
  • Good choice if you have an immediate need, such as a major home renovation or debt consolidation.
  • Get access to a line of credit that you can tap into as often as you wish
  • Access funds through checks, Online and Mobile Banking and at CoastHills branches
  • Variable rates
  • No closing costs
  • Only pay on the amount you use
  • Good choice if you anticipate needing to dip into funds at various times, as might be the case with ongoing medical expenses or home improvements

CoastHills Credit Union is a full-service financial institution with 12 Central Coast locations throughout Santa Barbara and San Luis Obispo counties.

*Subject to credit approval. Some restrictions may apply.


Your questions answered

By setting up automatic payments on any loan, you're reducing your risk of missing a payment which could result in late fees. For help in setting up autopay, visit any of our 12 Central Coast locations, or call us at (805) 733-7600

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Here to help

No matter your inquiry, give us a call at (805) 733-7600, or use one of our other convenient contact methods.