Home Equity

Put your equity to work

Put the equity in your home to work with an equity loan or line of credit from Provident. Choose a closed end loan for a single purchase such as a car, or an equity line (HELOC) for making home improvements, paying off credit cards, or other intermittent needs.

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Home Equity Line of Credit (HELOC)

All Provident Credit Union equity lines of credit include Equity Checks for convenient access to your credit anytime, for any purpose. You can also use our online or mobile banking tools to transfer funds to your Provident checking or savings account.

The interest you pay may be tax deductible — consult your tax advisor.


  • Easy access to funds using equity checks, phone and online transfers

  • No closing costs

Home Equity Loans

If you like the stability of a predictable monthly payment, this option provides a great fixed rate. Get a lump sum of cash for large purchases or debt consolidation.

The interest you pay may be tax deductible — consult your tax advisor.


  • Choice of term options ranging from 5, 10, 15, or 20 years
  • Borrow up to 70%050 combined loan to value (CLTV), with loan amounts up to $200,000.

Erin Galea

Provident Equity Specialist

NMLS: #1478417

Our Mortgage Consultant Equity Specialist can guide you in choosing the right home equity loan or credit line that will be the most beneficial for your individual circumstances.

Erin has 5 years in the real estate industry – she specializes in second mortgages. Erin is committed to helping you make the best choice for your personal situation. If you’re deciding between a second mortgage and a line of credit, don’t hesitate to give Erin a call. She will be more than happy to answer all of your questions.

Apply with Erin Galea


Phone: (800) 632-4600 ext. 2621

Fax: (650) 508-7218


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