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​Two Smart Ways to Boost Your Home's Value

Our homes are often our most valuable asset. At E-Central, you have access to programs that can help you further increase your property value and improve your long-term financial picture.

Tap Into Your Home Equity 

Our flexible Home Equity Line of Credit can finance those big projects you’ve been dreaming about. A bright new modern kitchen. A spacious master bedroom and/or bathroom. Or major upgrades to your landscaping to elevate value and curb appeal.

HELOC Financing Advantages

  • Flexible payment options, including interest only during the draw period
  • Low introductory rate
  • Competitive adjustable rate
  • Borrow up to 75% of your available equity

Flexible Financing for ADUs

Accessory Dwelling Units (ADUs) are add-on residential units built on the same land as a detached house. Units range in size from 400 to 1,200 square feet and must have a kitchen, bathroom, and living area.

ADU Construction Loan Advantages

  • Up to $300,000 funding (excluding existing mortgage)
  • Financing for 100% of construction with no up front costs
  • Construction term up to 36 months
  • No payments during construction period

Ready to explore the advantages of either option? Compare your financing options with one of our Real Estate Lending experts today.

Everything, everywhere

E-Central Credit Union is a leading credit union located in Pasadena, California, serving Southern California members throughout Los Angeles County including Pasadena, South Pasadena, Alhambra, San Marino, Arcadia, Sierra Madre, Altadena, Temple City, Monrovia and beyond.