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.  (Please do not email until after speaking with us so that we may provide a secure email link).

Contact us at [email protected] for more information.

*Consult a tax advisor.