Skip to Sitemap
Open Menu

Make Your Home Work for You

You worked hard to get your home, but we make it easy to make your home work for you. Whether you’re renovating, consolidating debt, or making a major purchase, a Home Equity Line of Credit (HELOC) gives you the borrowing power you need—with cash-back rewards and a low introductory rate. At E-Central, your HELOC can return cash back right away.

Smart Uses for a HELOC

  • Home Improvements - Expand your living space, upgrade your kitchen, or create the perfect outdoor retreat.
  • Debt Consolidation - Combine high-interest debt into one easy monthly payment for better cash flow.
  • Financial Flexibility - Cover education expenses, unexpected costs, or other big-ticket items.
  • Build an ADU - Increase your property’s living space, making room for family or rental.

Why Choose an E-Central HELOC?

Get huge savings with up to $800 cash back! Take an initial draw on your loan and earn $800 for draws of $150,000 or more, $400 for draws between $100,000 and $149,999, and $200 for draws between $50,000 and $99,999. Cash-back payouts are disbursed 90 days after loan origination. You’ll also enjoy:

  • Low Introductory Rate - Save with a competitive introductory rate of 5.50% APR**.
  • Interest Only Payment Option - Make interest-only payments during the draw period, giving you more financial flexibility.

Learn More!

Our Real Estate Lending experts can help you determine which option is right for you!  They can also help you with the loan application process. To learn more, call or visit the branch today.

Call 626.799.6000

*HELOC cash back special offer begins July 1, 2025 and ends September 30, 2025. Based on the initial draw, a borrower will earn $800 for draws of $150,000 or more, $400 for draws between $100,000 and $149,999, and $200 for draws between $50,000 and $99,999. To qualify for cashback, the borrower must take an initial draw at the time of funding, and after 90 days from the origination, the current balance must be at least the same amount as the initial draw. Cash back payout will be credited into the Member’s Primary Savings account 90 days after loan origination. Special offer not eligible for current E-Central home equity loans or lines of credit. **APR = Annual Percentage Yield. All loan rates, terms and conditions subject to change. Must be a Member in good standing and meet underwriting guidelines. Other restrictions may apply. The introductory interest rate for the HELOC will be fixed at 5.50% during the three-month introductory period. After the three-month introductory period: based on approved credit the Home Equity Line of Credit rate is variable monthly and is based on prime plus a margin of 1.00% minus relationship reward discounts. Interest-only minimum payment during the draw period. Upon term-out, monthly payment will be principal and interest monthly based on 15-year amortization schedule. The borrower is responsible for all third-party fees, including title policy, flood and tax service, appraiser fee, and recording fees.

 

Ways to bank