BYOB...beautify your own backyard!
Spring has sprung and it’s time to BYOB…beautify your own backyard! Refresh your landscaping, build a deck or create a playground for the kids, we can help you BYOB.
Pop the Cork
Open a home equity loan or line of credit of $25,000 or more by June 28, 2024 and receive a $100 gift card to a home improvement store. Be sure to enter BYOB in the promo code field in the application.
Mix it Up
The equity in your home – the difference between what you owe and the market value – is a great source of cash for your beautification projects. Of course, you can use your equity to mix up a variety of beautification projects inside and outside.- Home equity loan – is a great choice for single, lump-sum projects and offers a low, fixed rate and the same payment each month.
- Home equity line of credit – is ideal for ongoing projects with expenses that spread over time. The rate can vary monthly and includes an affordable interest-only payment option.
Get a Handle on Costs
Both our home equity loan and line of credit offer affordable ways to borrow from the cash in your home:
- Low rates
- No fees
- No points
- No costs
Take Your Shot
With increasing home values, you may have more equity than you think. Visit our handy home value estimator to help determine how much cash you have to beautify your home.Pop the Cork
Open a home equity loan or line of credit of $25,000 or more by June 28, 2024 and receive a $100 gift card to a home improvement store. Be sure to enter BYOB in the promo code field in the application.Apply today...simply click the button below or call a member service representative at (888) 858-6878. We’ll take your application over the phone and provide an answer in minutes.
Rates and terms subject to change without notice. Collateral protection insurance is required to obtain any secured loan. Must be 18 or older to apply. Loans subject to all credit union policies and procedures.
Incentive: Promo code BYOB required at the time of account opening online or in branch or we cannot guarantee that the incentive will be paid. Incentive will be mailed to the address of record by July 12, 2024. Account must be open by June 28, 2024. Choose from a Home Depot or Lowes gift card. Maximum incentive is one gift card per member.
All home equity loans and lines of credit: Credit limited to California properties of five acres or less and 4 units or less. An early closure fee of $100 plus actual costs will be imposed if the loan is closed within two years of opening. Property insurance is required. Flood insurance may apply. Notary and reconveyance fees are the responsibility of the borrower. All persons on the property title are required on the loan application. All loans require income verification. No manufactured or mobile homes. Member is responsible for all property insurance and taxes. Specific terms apply for home equity and home equity lines of credit, visit our home equity page or call a member service representative at (888) 858-6878 for more details. Home equity loan representative example: Pay $20.03 per month per $1,000 borrowed for 60 months at 7.49% with up to 80% LTV. Payment example does not include property taxes or insurance.
Home equity line of credit: Rates change with the Prime Rate as published in the “Money Rates” section of the Wall Street Journal. These are variable-rate loans, the rate may change monthly.
HomeAdvantage Equity Estimator: HomeAdvantage program is made available to you through a relationship between Pacific Service Credit Union and HomeAdvantage. Visit our membership eligibility page for membership details, product details and current rates.