Home Equity Line of Credit (HELOC)

The perfect option to help finance home improvement or repairs. A HELOC is a line of credit which lets you borrow against the equity in your home at a variable rate.

Not sure if a HELOC is right for you? We can help you sort through the options. Give us a call or stop by a branch.

First Mortgage

Ready to stop renting, and start painting any wall you want? Sierra Pacific can help you out with a First Mortgage.

Click the blue button below to apply online, or download the form below.

Click to Download: Mortgage App for Sierra Pacific FCU


Contact our Lending Specialists with questions or completed applications:

Megan Mathias

Director of Lending



Allison Guldager

Lending Development Specialist



Call your local branch  or contact us here for more information.

Home Loan Rates

Last Updated: June 20, 2024, 8:10 am

Type Rate APR Conditions
Home Equity Lines of Credit Call for Current Rates Up to 240 Months Variable Rate Loan
Business Home Equity Line Of Credit Call for Current Rates Variable Rate Loan
First Mortgages 30 Year 6.625% 6.838% 30 Year Fixed Rate
First Mortgages 15 Year 5.875% 6.032% 15 Year Fixed Rate
Residential Lot Loans Call for Current Rates
We offer competitive, low rates and customizable terms that work with your unique situation.

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Sierra Pacific Federal Credit Union