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Equity Loans & 2nd Mortgages

Equity Loans & 2nd Mortgages

Apply Online By Clicking Here!

  • Home Equity Loan (also known as a 2nd Mortgage) – Kern FCU will help you borrow from the equity you have built up in your home with a fixed rate loan. Make your investment work for you and enjoy a tax benefit because often home equity loan borrowers can write off interest charges (tax laws subject to change).*
  • Home Equity Line of Credit (HELOC) – Different from the Home Equity Loan, a HELOC is a revolving line of credit with a variable interest rate. With this line of credit funds remain available for immediate use or future needs.

Both options provide:

  • Potential tax deductions
  • No prepayment penalties
  • No appraisal or title search fees
  • Low interest rates and convenient financing
  • Personalized, friendly service that you have come to value from Kern FCU

It just doesn’t make sense to finance your home with anyone else but Kern FCU. Flexible terms, low interest rates and our trademark customer service guarantee an exceptional outcome. Unlock the potential in your home by obtaining a loan through Kern FCU.

For current rates and terms, please call the branch at (661) 327-9461.

Invest in Your Nest

Whether you are looking to add a backyard oasis or a brand new kitchen, Kern Federal Credit Union may have your key to financing the project. You may be eligible to borrow up to 133% of the value of your home for qualified improvement projects.

  • New Roof
  • Backyard Pool and landscaping
  • Kitchen and bathroom updates
  • Solar panels for energy efficiency

Apply online!

 
 

Your Home Banking



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We have a loan for everyone in Kern County!

Are You Facing Foreclosure?

Kern Federal Credit Union is aware that the economy is creating financial hardships for many individuals and families. These hardships could mean that meeting financial obligations becomes difficult. If you find yourself unable to make your mortgage payment during this difficult time, we recommend that you take immediate action and call a certified housing counselor or your lender.

Click here to learn what Kern FCU can do to help! 

Special ATM Access

International Use of ATMs is now available in most countries.  Due to extensive fraud on international ATMs, the processing of ATM activity outside the U.S., Canada, and Mexico is monitored closely. If you plan to travel outside of the U.S. in the near future, we recommend that you please contact us for additional information and/or travel cash alternative.

Attn. Kern County Residents!

You can be a member of Kern FCU if you live, work, worship or go to school in Kern County.

The people that work at Kern FCU will show you personal quality service anytime… anywhere.

You can count on us when buying a car, home, or seeking big returns on your savings. It's where you belong… at Kern FCU.

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