Home Equity Line of Credit (HELOC) and Home Equity Loan

Intro rates as low as 4.99% APR1 and new, higher limits up to $500,000!

A Golden Opportunity

Leverage your equity more than ever before with a dynamite introductory rate and take advantage of up to half-a-million dollars in spending power!

Use the equity in your home to pay for home improvements, to raise the value of your home, to use the equity of your home to pay for home impromvents to raise the value of... well, you get the point. You can also use a HELOC to pay for anything else you need at a rate that's typically lower than a credit card. 

Add the Equity Gold Mastercard® to access your HELOC at checkout!

young couple are new home owners with a gain equity gold mastercard(r)

Know More

Home Equity Line of Credit

APR1 as low as

4.990%

Apply Now

Table data for Gain Advantage Home Equity Line of Credit - Variable Rate - Owner Occupied
 05-05-2025
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 - $500,000 $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 7.750% 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 05-05-2025 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 have a Draw Period of 10 years, with an additional repayment period of 15 years. Single Family Residence, 1-4 units and condominiums (member primary residence). 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.

Table data for Gain Advantage Home Equity Line of Credit - Variable Rate - Non-Owner Occupied
 05-05-2025
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 05-05-2025, 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.

Express Home Equity Loan

You'll love the low, fixed-rates that let you to tap into the equity of your home, giving you access to funds so you can:

  • Update your kitchen and bathrooms
  • Consolidate high interest debt
  • Buy an RV and build the garage to house it in 

Money saving benefits

  • Borrow up to $250,000 with a Loan To Value (LTV) of 80% or less on owner occupied properties2
  • Borrow up to $150,000 with a LTV of 80% or less on owner occupied properties2
  • Zero points
  • No lender closing costs3
  • Arizona, California and Nevada only

Get a tax break
Another great benefit of a home equity loan is the possible tax benefits. Be sure to ask your tax advisor how this loan may affect your taxes.

Express Home Equity

APR1 as low as

7.2500%

Apply Now

Table data for Express Home Equity Loan - Fixed Rate - Owner Occupied
 Effective 01/16/2024
Term APR As Low As1 Amount2 Lender Closing Costs3 Alert Me
60 months 7.2500% Up to $150,000 $0 Receive a notification when this rate changes
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. Maximum rate 16.00%
Single Family Residence Only
California, Arizona, and Nevada Only
Payments on a home equity loan at 7.250% APR for 60 months are $19.92 per $1,000 borrowed. Representative example assumes a loan amount of $150,000.
Not all applicants will qualify. No prepayment penalty.
  • 1APR = Annual Percentage Rate
  • 280% LTV or less, for loan amounts up to $150,000. Rates on loan amounts up to $250,000 may vary. 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.

If you are refinancing your first mortgage with another lender and would like to keep your current equity loan with Gain, then you will need the new lender to request a subordination. You can find instructions for requesting a subordination on our Forms page.