Tap into the value of your home’s equity with a revolving line of credit — finance repairs, vacations, and more.

  • Competitive rates for several ongoing or seasonal needs
  • Borrow up to 70% of the net equity in your home
  • 10-year draw, 15-year pay back
  • Rate is tied to the prime rate
  • Interest only payments for the first 10 years
  • The interest paid might be tax deductible*
  • Accessory Dwelling Unit (ADU) financing available to turn a spare bedroom into income-producing space 
  • Funds available anytime without reapplying; apply once, then use repeatedly thereafter
  • Funds easily available via transfers to your North Bay Credit Union checking account
  • Local decision-making and processing in the North Bay
  • Knowledgable, experienced loan consultants to guide you through the process

Ready to apply? Download and fill out an application, and email it to us at [email protected].

*Consult a tax advisor.