Home Equity Rates

Effective: October 1, 2026

*APR = Annual Percentage Rate. The rate you receive will be based on certain creditworthiness. All rates are subject to approximate loan term limits, and certain restrictions may apply. Rates, terms, and conditions are subject to change without notice. Minimum loan amounts are required for some loan terms. Contact us for minimum loan amounts by term, maximum loan amounts, and loan-to-value requirements. Additional conditions apply.

1FlexPath HELOC: The variable APR on balances not locked at a fixed rate is based on the Prime Rate plus a margin of 0.00% to 5.00%, based on your credit rating. The variable APR is subject to change at the end of the month based on the current highest Prime Rate published in The Wall Street Journal “Money Rates” table. The minimum APR is 4.00%, and the maximum APR is 18.00%. You may lock a portion of your outstanding balance at a fixed rate up to three segments with term options of 7, 10, 15, and 20 years. The fixed rate is based on the current one-year U.S. Treasury rate plus a margin based on the term and your credit rating. Contact us for current rates. During the draw period, you may borrow up to your available credit limit. All outstanding balances, including fixed-rate balances, count toward your credit limit and reduce the amount available to borrow. Monthly payments on variable-rate balances are based on accrued interest. Fixed-rate balances require monthly principal and interest payments during the lock term. After the draw period ends, you may no longer borrow funds and will make principal and interest payments on remaining balances. FlexPath HELOC are available from $10,000 to $400,000, up to 80% combined loan-to-value (CLTV). There are no application processing fees, closing costs, prepayment penalties, or early closure fees. If you close your line within 24 months, you must reimburse the credit union for applicable third-party origination costs paid on your behalf and not collected at account opening. A $150 finance charge applies if you unlock a balance previously locked at a fixed rate.

2 Wealth Home Equity Line of Credit up to 80% CLTV with loan amounts of $10,000 to $500,000. The variable APR is based on the Prime Rate plus a margin of 0.00% to 5.00%, based on your credit rating. The APR is subject to change at the end of the month based on the current highest Prime Rate published in The Wall Street Journal “Money Rates” table. The minimum APR is 4.00%, and the maximum APR is 18.00%. During the draw period, you may withdraw (advance) funds up to your credit line limit and pay interest accrued on that balance monthly. After the draw period, you may not withdraw any more funds from the line. Your loan is then amortized, and you begin to

Real Estate loans are available for owner-occupied properties in the state of California only. HELOCs are available for existing CommonWealth members and to new members residing in the following counties in California: Alameda, Contra Costa, Merced, Monterey, San Benito, San Mateo, Santa Clara, and Santa Cruz. 

Membership in CommonWealth is required.