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Home Equity Lines of Credit



Refinance from other lenders to lower your payments or draw cash out to pay for home improvements, college tuition, debt consolidation - it's up to you.

  • Access money anytime you need it during the 10 year draw period
  • Borrow up to 100% combined loan to value
  • $25,000 minimum loan amount
  • Minimum monthly payment is 1.25% of outstanding principal balance
  • After an initial 6 month fixed-rate period, rate may adjust quarterly by no more than 1%
  • Interest may be tax deductible1
  • Use the convenient online home equity calculator to estimate the amount you may qualify to receive.

Call (800) 848-5654, option 5  |  Find a branch

Rates effective    
Loan Type Approximate Term APR2
100% Home Equity Line of Credit
  80%-100% loan to value
10 year draw
20 year repayment
Home Equity Line of Credit
  80% or less loan to value
10 year draw
20 year repayment
See Also
Consider an Island Rewards MasterCard to earn valuable rewards or cash back on life's unexpected expenses with no annual fee!

Open an Island Line of Credit from $1,000 to $50,000 at very competitive rates.

Terms & Conditions

1 Please consult a tax advisor
2APR=Annual Percentage Rate
Must be owner-occupied single family home located in San Diego, Orange, or Riverside counties. After an initial six month fixed-rate period, your HELOC rate may adjust quarterly up to 1% (based on Prime Rate + a margin), with a 4.00% APR minimum and a 15.00% APR maximum. Your minimum monthly payment will equal 1.25% of the outstanding principal balance. A balloon payment may result if paying the minimum payment does not fully amortize the unpaid balance by the maturity date; the full outstanding balance is due at that time. If payment is made more than 15 days after due date, a late charge will be assessed equal to 20% of the interest due ($5 minimum). Property insurance is required. All loans are subject to credit approval and satisfactory appraisal. Your overall credit worthiness will determine the interest rate available to you. Rates, terms and fees are subject to change without notice.