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Online Banking

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Today's Home Equity Rates

Mortgage Loan Notice of Error or Request for Information

You have certain rights under Federal law related to resolving errors and requesting information about your mortgage account. Notices of Error and Requests For Information must be directed to EECU, Attn: Loan Services, P.O. Box 5242, Fresno, CA 93755-5242. Your submission must be in writing and must include your name, the account and loan number and a description of the error you believe has occurred OR a request for specific information regarding your mortgage loan.

Home Equity Line of Credit FAQs

Find answers to frequently asked questions. Need additional information? View additional FAQs here. Or, contact us! If you have questions, we’re here to help.

What is the difference between a Home Equity Loan and a Home Equity Line of Credit?

Both are considered second mortgages. With a Home Equity Loan all funds will be paid at closing. A Home Equity Line of Credit provides you with a credit line that you can borrow against at any time within a set time limit and up to a maximum amount. The Line of Credit is typically revolving, allowing you to borrow and re-pay the debt over and over up to the maximum limit, similar to a credit card.

How often can the interest rate change on a Home Equity Line of Credit?

The interest rate may change four times a year on a Home Equity Line of Credit. The rate for EECU's Home Equity Line of Credit is subject to change on the first day of every quarter (January 1, April 1, July 1 and October 1).

How do I access my HELOC funds?

You can access your HELOC funds with Online Access Home Banking or the Mobile App by transferring money to another linked deposit account, paying with a convenience check, and by withdrawing funds at a branch or ATM.

Calculate Your Payment

Loan Payoff Calculator

Loan Payment Calculator

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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Financial Wellness

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