Call: (800) 622-3328 or (818) 846-1710   Routing Number: 322274116

Equity Gold Mastercard®

The card that's tied to your HELOC for easy purchasing, tracking, and most of all convenience!

Whether purchasing building supplies or buying tile flooring for your new kitchen, reach into your wallet and use your Equity Gold Mastercard®. You can use it anywhere Mastercard is accepted, it works directly with your home equity line, and all your transactions are itemized in your monthly statement.

Have a Gain Advantage Equity Line of Credit but don’t have the Equity Gold Card? Contact our Real Estate Lending Team to order one! 

  • NO Annual Fee
  • NO Balance Transfer Fee
  • NO Cash Advance Fee
  • NO Foreign Transaction Fee
  • Competitive variable rates
  • Borrow up to $500,0004
    (with a Loan To Value (LTV) of 80% or less)
  • Zero points, no costs3
  • Arizona, California and Nevada only

  • Mastercard Global Service

    Provides 24/7 assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATMs.

  • Mastercard Airport Concierge

    Provides a Meet and Greet agent to assist with flight connections plus, at select airports, expedited security/immigration processing.

  • Extended Warranty

    Doubles most manufacturer or U.S. store brand warranties for up to one additional year.

  • Price Protection

    Can refund the difference if you buy something and then see it advertised for less within 60 days of the date of purchase.

  • Satisfaction Guarantee†

    Can provide a refund of up to $250 if you are dissatisfied with a purchase and the merchant will not accept a return within 60 days of the purchase date.

    †Certain restrictions apply. See mastercard.com/zeroliability for details.

  • Identity Theft Resolution Services

    Assists you with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.

Gain Advantage Home Equity Line of Credit Mastercard

Intro APR* as low as

4.990%





Table data for Gain Advantage Home Equity Line of Credit - Variable Rate - Owner Occupied
 07-14-2025
Loan to Value (LTV) Margin Intro APR As Low As1 Standard APR As Low As2 Maximum APR Amount Financed Lender Closing Costs3 Alert Me
80% or less 0.000% to 3.500% 4.990% 7.500% 18.000% $10,000 - $250,000 $0 Receive a notification when this rate changes
80% or less 0.250% to 1.500% 4.990% 7.750% 18.000% $250,001 - $500,0004 $0 Receive a notification when this rate changes
The Gain Advantage Home Equity Line of Credit is an adjustable rate loan subject to change. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates and payments are based on the current margin and index rate. Index is WSJ prime rate. Rate subject to change quarterly. Rate Caps - Floor rate of 3%, Maximum rate of 18.000% and no annual adjustment cap.
Payment Example: Loan for $150,000 based on a 70% Loan To Value (LTV) with a margin of 0.250% and an index of 8.500% equals an interest rate of 8.750% with a payment of $1,499.17 per month.
The current non-introductory rate of 7.500% APR, which is accurate as of 07-14-2025 and is subject to change, is our best rate based on creditworthiness, credit score, and maximum combined loan-to-value (CLTV) of 80% and maximum loan amount of $150,000.
Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments. Draw Period - 10 year draw period. After draw period ends, the repayment period begins (up to 15 years). Single Family Residence only. California, Arizona and Nevada only. Not all applicants will qualify. No prepayment penalty.
  • 1APR = Annual Percentage Rate The 4.99% Annual Percentage Rate is an introductory rate valid for the first 6 billing cycles from account opening after which the APR will adjust to a variable rate based on the Prime Rate (the Index) as published in the Wall Street Journal, plus the margin and is subject to change quarterly thereafter. The maximum APR will not exceed 18.00%. Draws must occur within the promotional period to qualify for the promo rate. New HELOCs and primary residences only. Minimum and maximum loan amounts apply. Subject to credit approval and Gain FCU policies and procedures. Membership is required to obtain a HELOC. Offer is valid for a limited time and is subject to change without prior notice.↵
  • 2APR = Annual Percentage Rate↵
  • 3Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California’s document recording surcharge fee of $150 to $225.↵
  • 4Not all applicants will qualify for the maximum limit of $500,000.↵

Table data for Gain Advantage Home Equity Line of Credit - Variable Rate - Non-Owner Occupied
 07-14-2025
Loan to Value (LTV) Margin APR As Low As1 Maximum APR Amount Financed2 Lender Closing Costs3 Alert Me
80% or less 0.500% to 1.250% 8.000% 18.000% Up to $100,000 $0 Receive a notification when this rate changes
The Gain Advantage Home Equity Line of Credit is an adjustable rate loan subject to change. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Gain Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates and payments are based on the current margin and index rate. Index is WSJ prime rate. Rate subject to change quarterly.
Rate Caps - Floor rate of 3%, Maximum rate of 18.000% and no annual adjustment cap.
Payment Example: Loan for $100,000 based on a 70% Loan To Value (LTV) with a margin of .500% and an index of 8.500% equals an interest rate of 9.000% with a payment of $1,014.27 per month.
The current non-introductory rate of APR, which is accurate as of 07-14-2025, and is subject to change, is our best rate based on creditworthiness, credit score, and maximum combined loan-to-value (CLTV) of 80% and maximum loan amount of $100,000.
Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments. Draw Period - 10 year draw period. After draw period ends, the repayment period begins (up to 15 years). Single Family Residence only. California, Arizona and Nevada only. Not all applicants will qualify. No prepayment penalty.
  • 1APR = Annual Percentage Rate↵
  • 2The minimum credit limit is $10,000 and the maximum is $100,000. Restrictions apply. See Credit Union for full details.↵
  • 3Lender closing costs: Gain Federal Credit Union pays for flood certification, standard recording fees, title and appraisal. Member is required to pay for Sub-escrow of $160 (if required), and California’s document recording surcharge fee of $150 to $225.↵

Disclosures and Program Information

MasterCard Agreement     Equity Gold MasterCard Benefits Program Disclosure     Home Equity Early Disclosure

The National Foundation for Credit Counseling (NFCC) provide free or low-cost individualized, confidential credit counseling in-person and by phone at (877)-316-6322. http://www.nfcc.org