Consolidate your Debt with a Home Equity Line of Credit

A home equity line of credit is a form of revolving credit in which your home serves as collateral. Because a home is your most valuable asset, many homeowners use home equity credit lines for items, such as education, home improvements, or medical bills.

At STAR Community Credit Union we offer:

How to Apply

• Home Equity Line of Credit Checklist
• Print the Online Application
• Call (530) 895-1947 to speak with a Loan Officer  
• Bring your completed application into our downtown location.

*Annual Percentage Rate

**The Prime Rate Index as published in the Money Rates Table of the Wall Street Journal plus 1.00% with a floor rate of 5.00%.The 3.99% APR* is available one time only and assumes an 80% loan-to-value (LTV). This special Home Equity Line of Credit is a variable rate loan that is subject to change on January 15 and July 15 of each year. Minimum loan amount is $10,000.00. Rates are subject to change and may vary depending on your credit history and other factors.  All loans that are funded are subject to a $150.00 flat fee.

The maximum ANNUAL PERCENTAGE RATE that can apply is 16%. In no event will the ANNUAL PERCENTAGE RATE be less than 5%. The ANNUAL PERCENTAGE RATE will never be increased or decreased in any one year period by more than two percentage point(s) (2%).