LIMITED TIME PROMOTION

Your Equity.
Your Rules.

Home Equity Options That Put You in Control.

Home Equity Options That Put You in Control.

You’ve built equity—now put it to work for what’s next, your way.

Pay down high-interest debt. Upgrade your home. Cover life’s big moments. Whatever you have in mind, we offer two flexible options to help you get there.

Not sure which one fits best? We’ll walk you through it. Whether you're planning a major project, consolidating debt, or preparing for the unexpected, we’ll help you find the right solution.

Fill out the form to get started—we’ll follow up with more details and a no-obligation quote.

Home Equity Loan

Rates as low as 6.75% APR1

Upfront cash. Fixed payments. Full control.

Get a one-time lump sum and a locked-in rate, so you know exactly what you owe each month. No surprises, just steady progress toward your goals.

Home Equity Line of Credit

Intro rate of 2.50% APR2 for first 6 months

Ongoing access. Flexible funds. Your timeline.

Borrow what you need, when you need it, up to your approved limit. Only pay interest on what you use. Perfect for home projects, surprise costs, and everything in between.

Tapping Into Your Equity with Frontwave Gets You:

  • Competitive Rates

    Flexible options to match your goals

  • No Application Fees

    or prepayment penalties

  • Fast Local Processing3

    Underwriting, closing, and funding all handled in-house

  • Real Guidance

    Local experts—not sales scripts

Want to Learn More?

Fill out this simple form. We’ll follow up with info and a free quote.

Talk to a Home Loan Expert Today

We’ll help you choose the right fit, whether you’re tackling a big project, consolidating debt, or covering life’s curveballs. Fill out the form, and we’ll follow up with more information and a no-obligation quote. Questions? Call us at 800.736.4500 x1716. We got you.

Let's Connect

1 APR = Annual Percentage Rate. The lowest APR available is 6.75% for a fixed-rate Home Equity Loan with a 10-year term, 70% combined loan-to-value (CLTV) or less, loan amounts up to $300,000, and a minimum FICO score of 727. All loans subject to credit approval. Terms and conditions apply.

2 2.50% introductory APR fixed for the first 6 months. After that, the APR is variable and based on the Wall Street Journal Prime Rate plus a margin. Your rate may change with market conditions and may adjust monthly. Maximum APR is 12.00%. HELOCs available only on owner-occupied properties in California and North Carolina. All loans subject to credit approval. Terms and conditions apply.

3 All home loans are processed at our Oceanside, CA, headquarters.

Frontwave Credit Union is an Equal Housing Lender. NMLS #445243

Additional information:
CFPB HELOC Brochure
HELOC Advance Truth in Lending Disclosure