Promotions › VA Desert Pacific Federal Credit Union

3.99% Fixed HELOC Through January 2027

Turn your home’s equity into opportunity—on your terms.

Lock in a 3.99% fixed introductory rate on a Home Equity Line of Credit through January 31, 2027, or take advantage of credits on second mortgages when you close.

Limited-time offer through March 31, 2026.

Stability You Can Count On

In a changing rate environment, certainty matters.

Fixed 3.99% intro rate on HELOCs
Predictable payments through January 2027
Flexible access to your equity when you need it

Whether you’re planning ahead or responding to life as it happens, this is equity done smarter.

Home Equity Line of Credit (HELOC)

Flexible. Predictable. Ready when you are.

3.99% fixed introductory APR
Fixed through January 31, 2027
Borrow what you need, when you need it
Ideal for renovations, debt consolidation, education, or peace of mind

Not sure which home equity option fits your needs?

Here’s a simple way to compare—

Second Mortgage (Fixed Home Equity Loan)

A smart move—plus a little extra.

Receive a credit at closing when you choose a fixed Home Equity Loan:

$100 credit for loans $50,000–$249,999
$250 credit for loans $250,000 and over

Great for larger projects or one-time expenses with a fixed payment and fixed term.

Consider a Home Equity Line of Credit (HELOC) if you:

Want flexible access to your funds over time
Prefer to borrow only what you need, when you need it
Like the idea of a lower introductory rate with predictable payments early on
Plan to tackle projects in phases (remodels, tuition, ongoing expenses)

Why members choose this option: A HELOC works like a credit line secured by your home. With our current promotion, you can lock in a 3.99% fixed introductory rate through January 31, 2027, giving you flexibility and peace of mind.

Best for: Ongoing projects, debt consolidation, or having funds available just in case.

Consider a Second Mortgage (Fixed Home Equity Loan) if you:

Prefer a fixed rate and fixed monthly payment
Know exactly how much you need upfront
Are planning a one-time, larger expense
Want payment certainty from day one

Why members choose this option: A second mortgage provides a lump sum with a set repayment schedule—plus during this promotion, you’ll receive a credit at closing based on your loan amount.

Best for: Major renovations, medical expenses, or consolidating higher-interest debt into one predictable payment.

Consider Either Option if you:

Are looking to reduce high-interest debt
Want to leverage your home’s equity without refinancing your first mortgage
Prefer working with a local mortgage expert instead of a call center

Not sure which fits best?
A quick conversation can help you compare options side by side.

Membership is required and accounts must be in good standing. See full terms below for details and any exclusions.

Still Deciding? We’re Here to Help

Choosing the right option doesn’t have to be complicated.

Call or text Amber Hill: 562-477-5038
Email: ahill@vadpfcu.org

Terms & Disclosures

All applications are subject to credit approval, and not all applicants will qualify. Full income and asset documentation is required. Loans are secured by a lien on your property. Interest rates, points, and APRs may vary by product and state and may be adjusted based on credit history, loan-to-value (LTV), occupancy, property type, loan amount, and loan purpose.

Offer applies to applications submitted on or after January 1, 2026. All loans must close by March 31, 2026. Minimum loan amount is $50,000 and must be new to VA Desert Pacific Federal Credit Union (VADPFCU).

The 3.99% introductory APR applies to HELOC products only and is fixed through January 31, 2027. After the introductory period, the rate will vary based on the Wall Street Journal Prime Rate plus a margin of 0.00% to 5.00%.

Closing credits apply to fixed Home Equity Loan products and are based on final loan amount: $100 credit for loans $50,000–$249,999 and $250 credit for loans $250,000 and over. Credit will be provided as a deposit to your account or a gift card at closing and may be reportable to the IRS.

Promotion must be mentioned at the time of application to be eligible. Membership with VADPFCU is required. Other restrictions may apply, and terms are subject to change without notice.

VADPFCU NMLS #653601 | Amber Hill NMLS #981376