| 888.858.6878 | Email Us
BranchLine Online Banking
First-Time Users, click here.
Find a Branch or ATM  
Chat Button

Auto Equity Loans

California homeowners may qualify for terrific tax breaks with our Auto Equity option.  You receive the tax advantages of a mortgage loan with the low, flexible terms of a vehicle loan.

Your loan is secured with your owner-occupied home which may allow you to write off up to 100% of the interest you pay on your car, motorcycle, boat or RV loan.  Please consult your tax advisor for details.

All the terms of your auto loan stay the same – same payment, same term and same low rate.  There is a one-time, non-refundable cost of $200 to convert an existing auto loan to an auto equity loan to cover processing including reconveyance.  For flexibility, you can request the removal of the lien placed on your home at any time.

This example shows your potential savings:

Loan Amount


Total Interest Paid

Estimated Tax Savings

$30,000 3.99% $3,784 $1,202

Estimated tax savings in this example can effectively reduce the auto loan rate from 3.99% APR to 2.76% APR.

Apply online or by phone at (888) 858-6878 for an instant loan decision.


Consult your tax advisor for details and to see if you qualify.  Example assumes a combined Federal and State income tax rate of 32%. See complete rate details and representative example.

Federally insured by NCUA
Equal Housing Lender
    Follow Us On f t Font Size

For website security purposes and to ensure that access to the Pacific Service Credit Union (PSCU) website remains available to all users, PSCU may enable the use of software programs to monitor and record network traffic to identify unauthorized attempts to upload or change information or otherwise cause damage. Unauthorized attempts to upload information or change information on this website and any other illegal activities are strictly prohibited, may be reported to law enforcement agencies and may be punishable under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.
Protecting your privacy is our top priority - View Our Privacy Policy