San Diego County Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
Branch 36 La Costa	7630 Via Campanile Ste 138, Carlsbad, CA 92009	View Lobby Hours
Branch 37 Hillcrest	502 University Ave Ste 500, San Diego, CA 92103	View Lobby Hours
Branch 30 Rancho Bernardo	11965 Bernardo Plaza Dr # 169, San Diego, CA 92128	View Lobby Hours
Branch 27 Mission Valley	2245 Fenton Pkwy Ste 107, San Diego, CA 92108	View Lobby Hours
Branch 10 Carmel Mountain	12330 Carmel Mountain Rd Ste C1, San Diego, CA 92128	View Lobby Hours
Branch 28 Oceanside	625 College Blvd, Oceanside, CA 92057	View Lobby Hours
Branch 14 Mira Mesa	6705 Mira Mesa Blvd, San Diego, CA 92121	View Lobby Hours
Operations Center - Administration Building	6545 Sequence Dr, San Diego, CA 92121	View Lobby Hours
Branch 1 San Diego	5555 Mildred St, San Diego, CA 92110	View Lobby Hours
Branch 2 Vista	1475 W Vista Way, Vista, CA 92083	View Lobby Hours
Branch 3 El Cajon	312 W Main St, El Cajon, CA 92020	View Lobby Hours
Branch 4 Chula Vista	303 H St # 1, Chula Vista, CA 91910	View Lobby Hours
Branch 5 Santee	286 Town Center Pkwy, Santee, CA 92071	View Lobby Hours
Branch 6 Encinitas	501 N El Camino Real, Encinitas, CA 92024	View Lobby Hours
Branch 7 Carlsbad	2530 El Camino Real, Carlsbad, CA 92008	View Lobby Hours
Branch 8 Kearny Mesa	5500 Overland Ave Ste 190, San Diego, CA 92123	View Lobby Hours
Branch 9 Temecula	31693 Temecula Pkwy, Temecula, CA 92592	View Lobby Hours
Branch 13 Sorrento Valley	10715 Sorrento Valley Rd, San Diego, CA 92121	View Lobby Hours
Branch 12 La Jolla Torrey Pines	3366 N Torrey Pines Ct Ste 100, La Jolla, CA 92037	View Lobby Hours
Branch 26 Laguna Niguel	32341 Golden Lantern Ste A, Laguna Niguel, CA 92677	View Lobby Hours
Branch 15 UTC Regents	7708 Regents Rd, San Diego, CA 92122	View Lobby Hours
Branch 16 Eastlake	2280 Otay Lakes Rd, Chula Vista, CA 91915	View Lobby Hours
Branch 17 Escondido Civic Center	150 E Valley Pkwy, Escondido, CA 92025	View Lobby Hours
Branch 18 Pacific Beach	1664 Garnet Ave, San Diego, CA 92109	View Lobby Hours
Branch 19 San Marcos	790 W San Marcos Blvd, San Marcos, CA 92078	View Lobby Hours
Branch 21 Solana Beach	665 San Rodolfo Dr Ste 110, Solana Beach, CA 92075	View Lobby Hours
Branch 23 Murrieta	25165 Madison Ave, Murrieta, CA 92562	View Lobby Hours
Branch 24 Temecula North	29097 Overland Dr, Temecula, CA 92591	View Lobby Hours
Branch 25 La Mesa	8555 Fletcher Pkwy Ste 101, La Mesa, CA 91942	View Lobby Hours
Branch 22 Poway	14099 Stowe Dr, Poway, CA 92064	View Lobby Hours
Branch 38 National City	2525 E Plaza Blvd, National City, CA 91950	View Lobby Hours
Branch 20 Point Loma	1004 Rosecrans St, San Diego, CA 92106	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 2059741	5.926%	5.875%	0.50	$1,766	$1,893	Learn More
NMLS ID: 1025894	6.228%	6.125%	0.88	$3,506	$1,945	Learn More
NMLS ID: 6606	6.331%	6.240%	1.00	$3,094	$1,969	Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
PenFed Credit Union See Table	0.000 %	$0	Learn More More Info
Interest-only payments during the 10-year draw period Loans Amounts from $25,000 - $500,000. Get a HELOC from PenFed to Put Your Home Equity to Work. HELOCs Can Offer Lower Rates Than Credit Cards or Personal Loans. Home Equity Line of Credit - Equal Housing Lender.
Upstart Home Lending See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC dba Upstart Home Lending. NMLS #2443873 As low as 6.52% APR on your initial draw* Get your money up to 10x faster than the industry standard Fixed rate on each draw No paperwork needed to apply
Achieve Loans See Table	Intro APR 6.740 % After Intro: 6.740 %	$0	Learn More More Info
Offers may vary; all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Fixed rate APRs range from 6.240%- 14.00% and are assigned based on underwriting requirements. Offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. CLTV ratio may not exceed 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. 6.240% APR requires low DTI and CLTV; a maximum loan amount of up to $150,000; 10-year term; FICO 780+; and automatic payment enrollment. Contact Achieve Loans for further details. Equal Housing Opportunity. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 600
Valley Strong Credit Union See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Get your offer in 5 minutes and funding in as few as 5 days Personalized banking solutions to help reach your financial goals Up to $400K Terms of 10,15, or 30 years
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Splash Financial See Table	Intro APR 7.250 % After Intro: 7.250 % Intro Period: 8 months	$25,000	Learn More More Info
This rate is variable and will fluctuate with the Prime Rate as published in the Wall Street Journal. Variable Annual Percentage Rate (APR) for first and second lien position home equity lines of credit will vary with the Prime Rate as published in the Wall Street Journal. As of 11/4/2025, the variable rate for new home equity lines of credit is Prime – 0.25% to Prime + 2.50% (6.75% APR to 9.50% APR). Your rate will not exceed 18.000% APR. Making minimum interest-only payments will not pay down your principal. An annual fee of $100 will apply every year after the first year from the date of funding. Not all applicants are eligible for the maximum line of credit amount or the maximum combined loan to value (LTV). The property type, applicant creditworthiness, verified income, and third party property valuation all may affect eligibility. Maximum LTV ratios of 90%, 80% or 70% apply depending on creditworthiness and property eligibility. Offer available for owner-occupied, 1-4 unit residential properties only. For HELOC amounts at and above $100,000, Splash requires an initial draw of at least $75,000. For line amounts less than $100,000, you must draw at least 75% initially. Additional draw amounts are subject to lender minimums. To check the rates and terms you qualify for, Splash Financial conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, the lender will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Borrow up to $500,000 Apply 100% online in minutes with a user-friendly platform Check your rate without affecting your credit ** Tap into home equity today

San Diego County Credit Union - Nationwide Branches

Featured - 30 Year Fixed Mortgage Rates 2025

Featured - Home Equity Line Of Credit Rates 2025

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