HELOC rates in California rose from 4.5% in 2021 to around 9% in 2023. If this upward trend continues, homeowners might face higher costs. Consider locking in a rate now to avoid future increases.
Best HELOC Rates in California
As of October 16, 2024, the best HELOC rate in California is 4.3% from San Francisco Fire Credit Union in San Francisco, much lower than the state and national averages of 8.7%.
Updated: November 2, 2024
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Key Takeaways
Higher loan-to-value (LTV) ratios lead to higher rates. The average APR for a HELOC in California with an 80% LTV is 8.7%, compared with 8.9% for a 90% LTV.
HELOC rates vary by city in California. Mariposa has an average APR of 7.0%, whereas Phelan's is 11.2%.
Different lenders offer varying rates for the same loan types. San Francisco Fire Credit Union's average APR is 4.3%, whereas Flagstar Bank's is 11.2%.
Current HELOC Rates in California
HELOC Rates in California by LTV Ratio
HELOC rates in California vary depending on your loan-to-value (LTV) ratio and line limit. A lower LTV is seen as less risky because you have more equity in your home. For instance, an 80% LTV means you've borrowed less against your home's value compared to a 90% LTV, reducing the risk of default on your HELOC.
The following table lets you filter between different loan amounts, offering a clearer view of what you may qualify for:
- $100,000
- $50,000
HELOC Rates in California by City
HELOC rates in California vary by city due to local housing markets and lender competition. For instance, cities with robust real estate markets might offer lower rates, minimizing lender risk.
Use the table below to filter by city and see average APRs for $50K and $100K HELOCs.
- Adelanto
- Agoura Hills
- Alachua
- Alameda
- Alamo
- Alhambra
- Aliso Viejo
- Alpine
- Alta Loma
- Altadena
- Altamonte Springs
- Alturas
- Amelia Island
- American Canyon
- Anaheim
- Anderson
- Angels Camp
- Antioch
- Apalachicola
- Apollo Beach
- Apopka
- Apple Valley
- Aptos
- Arbuckle
- Arcadia
- Arcata
- Arroyo Grande
- Atascadero
- Atlantic Beach
- Atlantis
- Atwater
- Auburn
- Auburndale
- Avalon
- Aventura
- Avon Park
- Azusa
- Babcock Ranch
- Baker
- Bakersfield
- Bal Harbour
- Baldwin
- Baldwin Park
- Banning
- Barefoot Bay
- Barstow
- Bartow
- Bay Harbor Islands
- Bay Lake
- Bayonet Point
- Beale AFB
- Beaumont
- Belle Glade
- Belleair Bluffs
- Belleview
- Bellflower
- Benicia
- Berkeley
- Beverly Hills
- Big Bear Lake
- Big Pine Key
- Biggs
- Bishop
- Blountstown
- Blue Jay
- Blythe
- Boca Raton
- Bonifay
- Bonita Springs
- Borrego Springs
- Boynton Beach
- Bradenton
- Brandon
- Brawley
- Brea
- Brentwood
- Bridgeport
- Bronson
- Brooksville
- Buena Park
- Burbank
- Burlingame
- Burney
- Bushnell
- Cabazon
- Calabasas
- Calexico
- Calipatria
- Calistoga
- Callahan
- Callaway
- Camarillo
- Cameron Park
- Campbell
- Canoga Park
- Canyon Country
- Canyon Lake
- Cape Canaveral
- Cape Coral
- Capitola
- Carlsbad
- Carmel
- Carmichael
- Carpinteria
- Carson
- Casselberry
- Castro Valley
- Cathedral City
- Cedar Key
- Celebration
- Century
- Century City
- Ceres
- Cerritos
- Champions Gate
- Chatsworth
- Chattahoochee
- Chester
- Chico
- Chiefland
- Chino
- Chino Hills
- Chipley
- Chula Vista
- Citrus Heights
- City of Industry
- City of Westlake
- Claremont
- Clayton
- Clearlake
- Clearwater
- Clermont
- Clewiston
- Cloverdale
- Clovis
- Coachella
- Coalinga
- Cocoa
- Cocoa Beach
- Coconut Creek
- Coconut Grove
- Colfax
- Colusa
- Commerce
- Compton
- Concord
- Cooper City
- Copperopolis
- Coral Gables
- Coral Springs
- Corcoran
- Corning
- Corona
- Coronado
- Costa Mesa
- Covina
- Crawfordville
- Crescent City
- Crestline
- Crestview
- Cross City
- Crystal River
- Cudahy
- Culver City
- Cupertino
- Cutler Bay
- Cypress
- Dade City
- Daly City
- Dana Point
- Dania
- Danville
- Davenport
- Davie
- Davis
- Daytona Beach
- DeFuniak Springs
- DeLand
- Deerfield Beach
- Del Mar
- Delano
- Delhi
- Delray Beach
- Deltona
- Desert Hot Springs
- Destin
- Diamond Bar
- Dinuba
- Dixon
- Doral
- Downey
- Duarte
- Dublin
- Dunedin
- Dunnellon
- East Palo Alto
- Eastvale
- Edgewater
- Eglin AFB
- El Cajon
- El Centro
- El Cerrito
- El Dorado Hills
- El Monte
- El Segundo
- El Toro
- Elk Grove
- Ellenton
- Emeryville
- Encinitas
- Encino
- Englewood
- Escalon
- Escondido
- Estero
- Eureka
- Eustis
- Fairfield
- Fallbrook
- Farmersville
- Fellsmere
- Felton
- Fern Park
- Fernandina Beach
- Fillmore
- Fleming Island
- Florida City
- Folsom
- Fontana
- Foothill Ranch
- Forest City
- Forestville
- Fort Bragg
- Fort Lauderdale
- Fort Myers
- Fort Pierce
- Fort Walton Beach
- Fortuna
- Foster City
- Fountain Valley
- Freedom
- Freeport
- Fremont
- Fresno
- Fruit Cove
- Fruitland Park
- Fullerton
- Gainesville
- Galt
- Garberville
- Garden Grove
- Gardena
- Gilroy
- Glendale
- Glendora
- Gold River
- Goleta
- Granada Hills
- Grass Valley
- Green Cove Springs
- Greenacres
- Greenview
- Greenwood
- Gridley
- Groveland
- Guerneville
- Gulf Breeze
- Gulfport
- Hacienda Heights
- Haines City
- Half Moon Bay
- Hallandale Beach
- Hanford
- Harbor City
- Haverhill
- Hawthorne
- Hayfork
- Hayward
- Healdsburg
- Heathrow
- Hemet
- Hercules
- Hermosa Beach
- Hernando
- Hesperia
- Hialeah
- Hialeah Gardens
- Highland
- Holiday
- Hollister
- Hollywood
- Holmes Beach
- Holtville
- Homestead
- Homosassa Springs
- Hoopa
- Hudson
- Hughson
- Huntington Beach
- Hurlburt Field
- Idyllwild
- Immokalee
- Imperial
- Imperial Beach
- Indialantic
- Indian Harbour Beach
- Indian Shores
- Indian Wells
- Indio
- Inglewood
- Interlachen
- Inverness
- Ione
- Irvine
- Irwindale
- Islamorada
- Jackson
- Jacksonville
- Jacksonville Beach
- Jensen Beach
- Jonesville
- Juno Beach
- Jupiter
- Kelseyville
- Kennedy Space Center
- Key Biscayne
- Key Largo
- Key West
- Keystone Heights
- King City
- Kings Beach
- Kissimmee
- La Canada
- La Crescenta
- La Habra
- La Jolla
- La Mesa
- La Mirada
- La Quinta
- La Verne
- Labelle
- Ladera Ranch
- Lady Lake
- Lafayette
- Laguna Beach
- Laguna Hills
- Laguna Niguel
- Laguna Woods
- Lake Buena Vista
- Lake City
- Lake Elsinore
- Lake Forest
- Lake Mary
- Lake Placid
- Lake Wales
- Lake Worth
- Lakeland
- Lakeport
- Lakeside
- Lakewood
- Lakewood Ranch
- Lamont
- Lancaster
- Land O' Lakes
- Lantana
- Largo
- Larkspur
- Lauderdale Lakes
- Lauderdale-by-the-Sea
- Lauderhill
- Laytonville
- Le Grand
- Leesburg
- Lehigh Acres
- Lemon Grove
- Lemoore
- Lighthouse Point
- Lincoln
- Lithia
- Live Oak
- Livermore
- Lockeford
- Lodi
- Loma Linda
- Lompoc
- Long Beach
- Longboat Key
- Longwood
- Loomis
- Los Alamitos
- Los Altos
- Los Angeles
- Los Banos
- Los Gatos
- Los Molinos
- Lower Lake
- Loxahatchee
- Lutz
- Lynn Haven
- Lynwood
- MacClenny
- Madera
- Maitland
- Malibu
- Mammoth Lakes
- Manhattan Beach
- Manteca
- Marathon
- Marco Island
- Margate
- Marianna
- Marina Del Rey
- Mariposa
- Martinez
- Mary Esther
- Marysville
- Mayport
- Maywood
- McKinleyville
- Melbourne
- Menifee
- Menlo Park
- Merced
- Merritt Island
- Miami
- Miami Beach
- Miami Gardens
- Miami Lakes
- Miami Shores
- Miami Springs
- Middleburg
- Middleton
- Mill Valley
- Millbrae
- Milpitas
- Milton
- Mims
- Mira Loma
- Miramar
- Miramar Beach
- Mission Hills
- Mission Viejo
- Modesto
- Moffett Field
- Monrovia
- Montclair
- Montebello
- Montecito
- Monterey
- Monterey Park
- Monticello
- Moorpark
- Moraga
- Moreno Valley
- Morgan Hill
- Mount Dora
- Mount Shasta
- Mountain View
- Mulberry
- Murrieta
- Napa
- Naples
- National City
- Navarre
- Needles
- Neptune Beach
- Nevada City
- New Port Richey
- New Smyrna Beach
- Newark
- Newberry
- Newbury Park
- Newman
- Newport Beach
- Newport Coast
- Niceville
- Nipomo
- Nokomis
- Norco
- North Fort Myers
- North Hills
- North Hollywood
- North Miami
- North Miami Beach
- North Palm Beach
- North Port
- Northridge
- Norwalk
- Novato
- Oakdale
- Oakhurst
- Oakland
- Oakland Park
- Oakley
- Ocala
- Oceanside
- Ocoee
- Odessa
- Ojai
- Okeechobee
- Old Town
- Oldsmar
- Ontario
- Orange
- Orange City
- Orange Cove
- Orange Park
- Orangevale
- Orinda
- Orland
- Orlando
- Ormond Beach
- Orosi
- Oroville
- Oviedo
- Oxnard
- Pace
- Pacific Grove
- Pacific Palisades
- Pacifica
- Pahokee
- Palatka
- Palm Bay
- Palm Beach
- Palm Beach Gardens
- Palm City
- Palm Coast
- Palm Desert
- Palm Harbor
- Palm Springs
- Palmdale
- Palmetto
- Palmetto Bay
- Palo Alto
- Panama City
- Panama City Beach
- Panorama City
- Paradise
- Paramount
- Parker
- Parlier
- Parrish
- Pasadena
- Paso Robles
- Patrick AFB
- Patterson
- Pembroke Park
- Pembroke Pines
- Pensacola
- Perris
- Perry
- Pescadero
- Petaluma
- Phelan
- Pico Rivera
- Pinecrest
- Pinellas Park
- Pinole
- Pismo Beach
- Pittsburg
- Placentia
- Placerville
- Plant City
- Plantation
- Pleasant Hill
- Pleasanton
- Point Arena
- Point Mugu
- Pomona
- Pompano Beach
- Ponte Vedra
- Ponte Vedra Beach
- Port Charlotte
- Port Hueneme
- Port Orange
- Port Richey
- Port Saint Joe
- Port Saint John
- Port Saint Lucie
- Porterville
- Poway
- Punta Gorda
- Quincy
- Raiford
- Rancho Cordova
- Rancho Cucamonga
- Rancho Dominguez
- Rancho Mirage
- Rancho Palos Verdes
- Rancho Santa Fe
- Rancho Santa Margarita
- Red Bluff
- Redding
- Redlands
- Redondo Beach
- Redwood City
- Reedley
- Reseda
- Rialto
- Richmond
- Ridgecrest
- Ripon
- Riverbank
- Riverdale
- Riverside
- Riverview
- Riviera Beach
- Rockledge
- Rocklin
- Rohnert Park
- Rolling Hills Estates
- Rosemary Beach
- Rosemead
- Roseville
- Rowland Heights
- Royal Palm Beach
- Ruskin
- Sacramento
- Safety Harbor
- Saint Augustine
- Saint Cloud
- Saint Helena
- Saint James City
- Saint Johns
- Saint Petersburg
- Salinas
- San Andreas
- San Bernardino
- San Bruno
- San Carlos
- San Clemente
- San Diego
- San Dimas
- San Fernando
- San Francisco
- San Gabriel
- San Jacinto
- San Jose
- San Juan Capistrano
- San Leandro
- San Lorenzo
- San Luis Obispo
- San Marcos
- San Marino
- San Mateo
- San Pedro
- San Rafael
- San Ramon
- San Ysidro
- Sanford
- Sanger
- Santa Ana
- Santa Barbara
- Santa Clara
- Santa Clarita
- Santa Cruz
- Santa Fe Springs
- Santa Maria
- Santa Monica
- Santa Paula
- Santa Rosa
- Santa Rosa Beach
- Santee
- Sarasota
- Saratoga
- Satellite Beach
- Scotts Valley
- Seal Beach
- Sebastian
- Sebastopol
- Sebring
- Seffner
- Selma
- Seminole
- Shalimar
- Shasta Lake
- Sherman Oaks
- Sierra Madre
- Signal Hill
- Silver Springs
- Simi Valley
- Sneads
- Solana Beach
- Soledad
- Solvang
- Sonoma
- Sonora
- Soquel
- South Daytona
- South Gate
- South Lake Tahoe
- South Miami
- South Pasadena
- South San Francisco
- Southport
- Spring Hill
- Spring Valley
- Stanford
- Stanton
- Starke
- Steinhatchee
- Stevenson Ranch
- Stockton
- Stuart
- Studio City
- Suisun City
- Summerfield
- Sun City
- Sun City Center
- Sunny Isles Beach
- Sunnyvale
- Sunrise
- Susanville
- Sylmar
- Taft
- Tahoe City
- Tallahassee
- Tamarac
- Tampa
- Tarpon Springs
- Tarzana
- Tavernier
- Tehachapi
- Temecula
- Temple Terrace
- Templeton
- Tequesta
- The Villages
- Thousand Oaks
- Tierra Verde
- Titusville
- Toluca Lake
- Torrance
- Tracy
- Travis AFB
- Treasure Island
- Trenton
- Trinity
- Truckee
- Tulare
- Turlock
- Tustin
- Twain Harte
- Twentynine Palms
- Tyndall AFB
- Ukiah
- Union City
- Universal City
- University Park
- Upland
- Vacaville
- Valencia
- Vallejo
- Valley Springs
- Valrico
- Van Nuys
- Vandenberg AFB
- Venice
- Ventura
- Vernon
- Vero Beach
- Victorville
- Viera
- Villa Park
- Virginia Gardens
- Visalia
- Vista
- Walnut
- Walnut Creek
- Walnut Park
- Wasco
- Waterford
- Watsonville
- Wauchula
- Weaverville
- Weed
- Wellington
- Wesley Chapel
- West Covina
- West Hills
- West Hollywood
- West Melbourne
- West Miami
- West Palm Beach
- West Sacramento
- Westchester
- Westlake Village
- Westminster
- Weston
- Wheatland
- Whittier
- Wildomar
- Wildwood
- Williams
- Williston
- Willits
- Willow Creek
- Willows
- Wilmington
- Wilton Manors
- Wimauma
- Winchester
- Windermere
- Windsor
- Winter Garden
- Winter Haven
- Winter Park
- Winter Springs
- Woodlake
- Woodland
- Woodland Hills
- Wrightwood
- Yorba Linda
- Yreka
- Yuba City
- Yucaipa
- Yucca Valley
- Yulee
- Zephyrhills
HELOC Rates in California by Lender
HELOC interest rates in California vary based on lenders' pricing strategies and risk assessments. The table below highlights the five lenders in California offering the lowest average APRs, helping you compare competitive rates.
San Francisco Fire Credit Union | 4.3% |
1st United Credit Union | 6.5% |
Diamond Valley Federal Credit Union | 7.0% |
HTLF Bank | 7.0% |
Glendale Federal Credit Union | 7.3% |
HELOC rates today can vary significantly between lenders in the same city. Use the table below to filter lenders by city to compare average APRs and find the best rate in your area.
- Adelanto
- Agoura Hills
- Alachua
- Alameda
- Alamo
- Alhambra
- Aliso Viejo
- Alpine
- Alta Loma
- Altadena
- Altamonte Springs
- Alturas
- Amelia Island
- American Canyon
- Anaheim
- Anderson
- Angels Camp
- Antioch
- Apalachicola
- Apollo Beach
- Apopka
- Apple Valley
- Aptos
- Arbuckle
- Arcadia
- Arcata
- Arroyo Grande
- Atascadero
- Atlantic Beach
- Atlantis
- Atwater
- Auburn
- Auburndale
- Avalon
- Aventura
- Avon Park
- Azusa
- Babcock Ranch
- Baker
- Bakersfield
- Bal Harbour
- Baldwin
- Baldwin Park
- Banning
- Barefoot Bay
- Barstow
- Bartow
- Bay Harbor Islands
- Bay Lake
- Bayonet Point
- Beale AFB
- Beaumont
- Belle Glade
- Belleair Bluffs
- Belleview
- Bellflower
- Benicia
- Berkeley
- Beverly Hills
- Big Bear Lake
- Big Pine Key
- Biggs
- Bishop
- Blountstown
- Blue Jay
- Blythe
- Boca Raton
- Bonifay
- Bonita Springs
- Borrego Springs
- Boynton Beach
- Bradenton
- Brandon
- Brawley
- Brea
- Brentwood
- Bridgeport
- Bronson
- Brooksville
- Buena Park
- Burbank
- Burlingame
- Burney
- Bushnell
- Cabazon
- Calabasas
- Calexico
- Calipatria
- Calistoga
- Callahan
- Callaway
- Camarillo
- Cameron Park
- Campbell
- Canoga Park
- Canyon Country
- Canyon Lake
- Cape Canaveral
- Cape Coral
- Capitola
- Carlsbad
- Carmel
- Carmichael
- Carpinteria
- Carson
- Casselberry
- Castro Valley
- Cathedral City
- Cedar Key
- Celebration
- Century
- Century City
- Ceres
- Cerritos
- Champions Gate
- Chatsworth
- Chattahoochee
- Chester
- Chico
- Chiefland
- Chino
- Chino Hills
- Chipley
- Chula Vista
- Citrus Heights
- City of Industry
- City of Westlake
- Claremont
- Clayton
- Clearlake
- Clearwater
- Clermont
- Clewiston
- Cloverdale
- Clovis
- Coachella
- Coalinga
- Cocoa
- Cocoa Beach
- Coconut Creek
- Coconut Grove
- Colfax
- Colusa
- Commerce
- Compton
- Concord
- Cooper City
- Copperopolis
- Coral Gables
- Coral Springs
- Corcoran
- Corning
- Corona
- Coronado
- Costa Mesa
- Covina
- Crawfordville
- Crescent City
- Crestline
- Crestview
- Cross City
- Crystal River
- Cudahy
- Culver City
- Cupertino
- Cutler Bay
- Cypress
- Dade City
- Daly City
- Dana Point
- Dania
- Danville
- Davenport
- Davie
- Davis
- Daytona Beach
- DeFuniak Springs
- DeLand
- Deerfield Beach
- Del Mar
- Delano
- Delhi
- Delray Beach
- Deltona
- Desert Hot Springs
- Destin
- Diamond Bar
- Dinuba
- Dixon
- Doral
- Downey
- Duarte
- Dublin
- Dunedin
- Dunnellon
- East Palo Alto
- Eastvale
- Edgewater
- Eglin AFB
- El Cajon
- El Centro
- El Cerrito
- El Dorado Hills
- El Monte
- El Segundo
- El Toro
- Elk Grove
- Ellenton
- Emeryville
- Encinitas
- Encino
- Englewood
- Escalon
- Escondido
- Estero
- Eureka
- Eustis
- Fairfield
- Fallbrook
- Farmersville
- Fellsmere
- Felton
- Fern Park
- Fernandina Beach
- Fillmore
- Fleming Island
- Florida City
- Folsom
- Fontana
- Foothill Ranch
- Forest City
- Forestville
- Fort Bragg
- Fort Lauderdale
- Fort Myers
- Fort Pierce
- Fort Walton Beach
- Fortuna
- Foster City
- Fountain Valley
- Freedom
- Freeport
- Fremont
- Fresno
- Fruit Cove
- Fruitland Park
- Fullerton
- Gainesville
- Galt
- Garberville
- Garden Grove
- Gardena
- Gilroy
- Glendale
- Glendora
- Gold River
- Goleta
- Granada Hills
- Grass Valley
- Green Cove Springs
- Greenacres
- Greenview
- Greenwood
- Gridley
- Groveland
- Guerneville
- Gulf Breeze
- Gulfport
- Hacienda Heights
- Haines City
- Half Moon Bay
- Hallandale Beach
- Hanford
- Harbor City
- Haverhill
- Hawthorne
- Hayfork
- Hayward
- Healdsburg
- Heathrow
- Hemet
- Hercules
- Hermosa Beach
- Hernando
- Hesperia
- Hialeah
- Hialeah Gardens
- Highland
- Holiday
- Hollister
- Hollywood
- Holmes Beach
- Holtville
- Homestead
- Homosassa Springs
- Hoopa
- Hudson
- Hughson
- Huntington Beach
- Hurlburt Field
- Idyllwild
- Immokalee
- Imperial
- Imperial Beach
- Indialantic
- Indian Harbour Beach
- Indian Shores
- Indian Wells
- Indio
- Inglewood
- Interlachen
- Inverness
- Ione
- Irvine
- Irwindale
- Islamorada
- Jackson
- Jacksonville
- Jacksonville Beach
- Jensen Beach
- Jonesville
- Juno Beach
- Jupiter
- Kelseyville
- Kennedy Space Center
- Key Biscayne
- Key Largo
- Key West
- Keystone Heights
- King City
- Kings Beach
- Kissimmee
- La Canada
- La Crescenta
- La Habra
- La Jolla
- La Mesa
- La Mirada
- La Quinta
- La Verne
- Labelle
- Ladera Ranch
- Lady Lake
- Lafayette
- Laguna Beach
- Laguna Hills
- Laguna Niguel
- Laguna Woods
- Lake Buena Vista
- Lake City
- Lake Elsinore
- Lake Forest
- Lake Mary
- Lake Placid
- Lake Wales
- Lake Worth
- Lakeland
- Lakeport
- Lakeside
- Lakewood
- Lakewood Ranch
- Lamont
- Lancaster
- Land O' Lakes
- Lantana
- Largo
- Larkspur
- Lauderdale Lakes
- Lauderdale-by-the-Sea
- Lauderhill
- Laytonville
- Le Grand
- Leesburg
- Lehigh Acres
- Lemon Grove
- Lemoore
- Lighthouse Point
- Lincoln
- Lithia
- Live Oak
- Livermore
- Lockeford
- Lodi
- Loma Linda
- Lompoc
- Long Beach
- Longboat Key
- Longwood
- Loomis
- Los Alamitos
- Los Altos
- Los Angeles
- Los Banos
- Los Gatos
- Los Molinos
- Lower Lake
- Loxahatchee
- Lutz
- Lynn Haven
- Lynwood
- MacClenny
- Madera
- Maitland
- Malibu
- Mammoth Lakes
- Manhattan Beach
- Manteca
- Marathon
- Marco Island
- Margate
- Marianna
- Marina Del Rey
- Mariposa
- Martinez
- Mary Esther
- Marysville
- Mayport
- Maywood
- McKinleyville
- Melbourne
- Menifee
- Menlo Park
- Merced
- Merritt Island
- Miami
- Miami Beach
- Miami Gardens
- Miami Lakes
- Miami Shores
- Miami Springs
- Middleburg
- Middleton
- Mill Valley
- Millbrae
- Milpitas
- Milton
- Mims
- Mira Loma
- Miramar
- Miramar Beach
- Mission Hills
- Mission Viejo
- Modesto
- Moffett Field
- Monrovia
- Montclair
- Montebello
- Montecito
- Monterey
- Monterey Park
- Monticello
- Moorpark
- Moraga
- Moreno Valley
- Morgan Hill
- Mount Dora
- Mount Shasta
- Mountain View
- Mulberry
- Murrieta
- Napa
- Naples
- National City
- Navarre
- Needles
- Neptune Beach
- Nevada City
- New Port Richey
- New Smyrna Beach
- Newark
- Newberry
- Newbury Park
- Newman
- Newport Beach
- Newport Coast
- Niceville
- Nipomo
- Nokomis
- Norco
- North Fort Myers
- North Hills
- North Hollywood
- North Miami
- North Miami Beach
- North Palm Beach
- North Port
- Northridge
- Norwalk
- Novato
- Oakdale
- Oakhurst
- Oakland
- Oakland Park
- Oakley
- Ocala
- Oceanside
- Ocoee
- Odessa
- Ojai
- Okeechobee
- Old Town
- Oldsmar
- Ontario
- Orange
- Orange City
- Orange Cove
- Orange Park
- Orangevale
- Orinda
- Orland
- Orlando
- Ormond Beach
- Orosi
- Oroville
- Oviedo
- Oxnard
- Pace
- Pacific Grove
- Pacific Palisades
- Pacifica
- Pahokee
- Palatka
- Palm Bay
- Palm Beach
- Palm Beach Gardens
- Palm City
- Palm Coast
- Palm Desert
- Palm Harbor
- Palm Springs
- Palmdale
- Palmetto
- Palmetto Bay
- Palo Alto
- Panama City
- Panama City Beach
- Panorama City
- Paradise
- Paramount
- Parker
- Parlier
- Parrish
- Pasadena
- Paso Robles
- Patrick AFB
- Patterson
- Pembroke Park
- Pembroke Pines
- Pensacola
- Perris
- Perry
- Pescadero
- Petaluma
- Phelan
- Pico Rivera
- Pinecrest
- Pinellas Park
- Pinole
- Pismo Beach
- Pittsburg
- Placentia
- Placerville
- Plant City
- Plantation
- Pleasant Hill
- Pleasanton
- Point Arena
- Point Mugu
- Pomona
- Pompano Beach
- Ponte Vedra
- Ponte Vedra Beach
- Port Charlotte
- Port Hueneme
- Port Orange
- Port Richey
- Port Saint Joe
- Port Saint John
- Port Saint Lucie
- Porterville
- Poway
- Punta Gorda
- Quincy
- Raiford
- Rancho Cordova
- Rancho Cucamonga
- Rancho Dominguez
- Rancho Mirage
- Rancho Palos Verdes
- Rancho Santa Fe
- Rancho Santa Margarita
- Red Bluff
- Redding
- Redlands
- Redondo Beach
- Redwood City
- Reedley
- Reseda
- Rialto
- Richmond
- Ridgecrest
- Ripon
- Riverbank
- Riverdale
- Riverside
- Riverview
- Riviera Beach
- Rockledge
- Rocklin
- Rohnert Park
- Rolling Hills Estates
- Rosemary Beach
- Rosemead
- Roseville
- Rowland Heights
- Royal Palm Beach
- Ruskin
- Sacramento
- Safety Harbor
- Saint Augustine
- Saint Cloud
- Saint Helena
- Saint James City
- Saint Johns
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- San Bernardino
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- San Carlos
- San Clemente
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- San Francisco
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- San Luis Obispo
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- San Marino
- San Mateo
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- San Ramon
- San Ysidro
- Sanford
- Sanger
- Santa Ana
- Santa Barbara
- Santa Clara
- Santa Clarita
- Santa Cruz
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- Santa Maria
- Santa Monica
- Santa Paula
- Santa Rosa
- Santa Rosa Beach
- Santee
- Sarasota
- Saratoga
- Satellite Beach
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- Seal Beach
- Sebastian
- Sebastopol
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- Selma
- Seminole
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- Shasta Lake
- Sherman Oaks
- Sierra Madre
- Signal Hill
- Silver Springs
- Simi Valley
- Sneads
- Solana Beach
- Soledad
- Solvang
- Sonoma
- Sonora
- Soquel
- South Daytona
- South Gate
- South Lake Tahoe
- South Miami
- South Pasadena
- South San Francisco
- Southport
- Spring Hill
- Spring Valley
- Stanford
- Stanton
- Starke
- Steinhatchee
- Stevenson Ranch
- Stockton
- Stuart
- Studio City
- Suisun City
- Summerfield
- Sun City
- Sun City Center
- Sunny Isles Beach
- Sunnyvale
- Sunrise
- Susanville
- Sylmar
- Taft
- Tahoe City
- Tallahassee
- Tamarac
- Tampa
- Tarpon Springs
- Tarzana
- Tavernier
- Tehachapi
- Temecula
- Temple Terrace
- Templeton
- Tequesta
- The Villages
- Thousand Oaks
- Tierra Verde
- Titusville
- Toluca Lake
- Torrance
- Tracy
- Travis AFB
- Treasure Island
- Trenton
- Trinity
- Truckee
- Tulare
- Turlock
- Tustin
- Twain Harte
- Twentynine Palms
- Tyndall AFB
- Ukiah
- Union City
- Universal City
- University Park
- Upland
- Vacaville
- Valencia
- Vallejo
- Valley Springs
- Valrico
- Van Nuys
- Vandenberg AFB
- Venice
- Ventura
- Vernon
- Vero Beach
- Victorville
- Viera
- Villa Park
- Virginia Gardens
- Visalia
- Vista
- Walnut
- Walnut Creek
- Walnut Park
- Wasco
- Waterford
- Watsonville
- Wauchula
- Weaverville
- Weed
- Wellington
- Wesley Chapel
- West Covina
- West Hills
- West Hollywood
- West Melbourne
- West Miami
- West Palm Beach
- West Sacramento
- Westchester
- Westlake Village
- Westminster
- Weston
- Wheatland
- Whittier
- Wildomar
- Wildwood
- Williams
- Williston
- Willits
- Willow Creek
- Willows
- Wilmington
- Wilton Manors
- Wimauma
- Winchester
- Windermere
- Windsor
- Winter Garden
- Winter Haven
- Winter Park
- Winter Springs
- Woodlake
- Woodland
- Woodland Hills
- Wrightwood
- Yorba Linda
- Yreka
- Yuba City
- Yucaipa
- Yucca Valley
- Yulee
- Zephyrhills
HomeStreet Bank | Commercial Bank | 7.5% |
SchoolsFirst Federal Credit Union | Credit Union | 8.0% |
Credit Union of Southern California | Credit Union | 8.0% |
Justice Federal Credit Union | Credit Union | 8.3% |
USC Credit Union | Credit Union | 8.4% |
American Airlines Federal Credit Union | Credit Union | 8.5% |
Western Alliance Bank | Commercial Bank | 8.5% |
Wescom Central Credit Union | Credit Union | 8.5% |
University Credit Union | Credit Union | 8.5% |
Schools Federal Credit Union | Credit Union | 8.5% |
Rize Federal Credit Union | Credit Union | 8.5% |
Northrop Grumman Federal Credit Union | Credit Union | 8.5% |
LA Financial Federal Credit Union | Credit Union | 8.5% |
Certified Federal Credit Union | Credit Union | 8.5% |
Baxter Credit Union | Credit Union | 8.5% |
First City Credit Union | Credit Union | 8.8% |
The Golden 1 Credit Union | Credit Union | 8.8% |
Los Angeles Federal Credit Union | Credit Union | 9.0% |
U.S. Bank National Association | Commercial Bank | 9.1% |
First Entertainment Credit Union | Credit Union | 9.1% |
Kinecta Federal Credit Union | Credit Union | 9.1% |
BMO BANK NATIONAL ASSOCIATION | Commercial Bank | 9.3% |
Southland Credit Union | Credit Union | 9.3% |
Los Angeles Police Federal Credit Union | Credit Union | 9.3% |
Water and Power Community Credit Union | Credit Union | 9.5% |
Self-Help Federal Credit Union | Credit Union | 9.5% |
Arrowhead Central Credit Union | Credit Union | 9.5% |
Banner Bank | Commercial Bank | 9.7% |
California Credit Union | Credit Union | 9.8% |
Comerica Bank | Commercial Bank | 9.8% |
UNIFY Financial Federal Credit Union | Credit Union | 9.9% |
Bank of America | Commercial Bank | 9.9% |
Rancho Federal Credit Union | Credit Union | 10.0% |
HELOC rates in California vary between banks and credit unions. Commercial banks typically have higher rates, with the best rate currently averaging 9.0%. In contrast, credit unions in California offer an average APR of 8.7%, as these not-for-profit institutions often provide more competitive rates.
When deciding between banks and credit unions , consider more than just rates. Banks might offer greater convenience, while credit unions are known for better customer service and lower fees. Be sure to check membership requirements for credit unions and look out for any hidden fees or rate adjustment clauses with both types of lenders.
What advice do you have for homeowners who are considering a HELOC in today’s economic climate — should they act now or wait for more favorable conditions?
Ramsey Coulter has worked in the mortgage and credit industry for over 10 years. Currently a mortgage loan originator with CMG Home Loans, he specializes in helping first-time homebuyers navigate...
As with anything there are pros and cons. Even though rates may be higher right now, the home values are also high. This could lead to you getting approved for more of a HELOC compared to if rates are lower but housing values decrease (not saying they will). In my opinion, it’s better to get a HELOC now and have it for when you need it. Also, HELOC rates are variable — so if rates go down, so will the rate on your HELOC.
HELOC Payment Calculator
HELOCs have become a popular tool for homeowners across the U.S. looking to tap into their home's equity. Use our California HELOC payment calculator to determine your monthly payments based on the amount drawn, APR and loan terms. Our calculator also provides a full amortization schedule, showing how much goes toward interest and principal over time. Understanding these details can help you manage your HELOC and plan for future payments.
California HELOC Payoff Calculator
This HELOC payment calculator assumes that you take out one lump sum at the start of your interest-only period. Your actual payoff schedule will vary depending on your interest rate and market conditions.
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Repayment Period Payment
$0
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Credit Payoff Schedule for Home Equity Line
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How to Get the Best HELOC Rates in California
Finding the best HELOC rates in California can help you save thousands over the life of your loan. To secure the most competitive rate, consider these five strategies:
Maintain a strong credit score
California's average credit score is 722. Improving it can secure better rates by qualifying for more competitive lender offers.
Compare offers from multiple lenders
Settling for the first offer you receive may be costly. By shopping around, you can find competitive rates and even use offers to negotiate better terms.
Reduce your debt-to-income (DTI) ratio
Lenders favor borrowers with lower debt-to-income (DTI) ratios because it shows financial stability. Reducing your debt can make you a more attractive candidate for a lower rate.
Increase your home equity
The more equity you have, the less risk the lender assumes, which can lead to a lower rate. Paying down your mortgage or making home improvements can increase your equity.
Review closing costs and rate caps
Some lenders charge closing costs between 2% and 5%, whereas others don't. Compare rate caps to limit your costs as rates adjust over time.
HELOC Loan Rates vs. Home Equity Loan Rates in California
HELOC interest rates in California average 8.7%, compared to 8.0% for home equity loans. The difference stems from HELOCs' variable rates, which can rise over time, while home equity loans have fixed rates that remain stable.
- HELOCs are flexible credit lines with variable rates, making them volatile in rising interest rate environments. This can lead to increased costs for homeowners over time.
- Home equity loans provide a lump sum with a fixed rate, offering stability. They are ideal for situations where predictable payments are preferred.
Both options let you borrow against your home's equity, but your decision depends on whether you value the flexibility of a HELOC or the predictability of a home equity loan.
A cash-out refinance is a HELOC alternative that replaces your existing mortgage with a new, larger loan, providing cash access. Unlike HELOCs or home equity loans, it creates a new primary mortgage.
For example, if you have a loan backed by the Federal Housing Administration (FHA) and your home is valued at $300,000 with a $150,000 mortgage balance, an FHA cash-out refinance for $200,000 could give you $50,000 in cash, but your new loan payments will be based on $200,000.
FAQ: Best HELOC Rates in California
The average California's HELOC rates is 8.7%, which is on par with the national average of 8.7%.
Common fees include application, appraisal, annual and early closure fees, but specifics can vary by lender.
HELOC rates in California average 8.7%, while home equity loan rates are lower at 8.0%.
Commercial banks in California offer HELOC rates averaging 9.0%, while credit unions offer lower rates at 8.7%.
The average HELOC rate in California is 8.7%, while Los Angeles's rates are slightly higher, averaging 8.9%.
MoneyGeek examined 133 different banks and credit unions in Florida using S&P Global's SNL Depository Rates dataset to stay current on the latest home equity line of credit rates.
This data is accurate as of October 16, 2024.
About Zachary Romeo, CBCA
Zachary Romeo is a certified Commercial Banking and Credit Analyst (CBCA), and the Head of Loans and Banking at MoneyGeek. Previously, he led production teams for some of the largest online informational resources in higher education, with over 13 years of experience in editorial production.
Romeo has a bachelor's degree in biological engineering from Cornell University. He geeks out on minimizing personal debt and helping others do the same through people-first content.