Delta Schools Federal Credit Union

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Second Mortgage Products

Your Credit Union offers you a full range of Home Equity Loans:

Home Equity Line of Credit (HELOC)

Use the equity in your home to quickly and affordably access low rate funds to meet your needs to make home improvements, consolidate, college tuition or any other life event.

  • Credit Limits up to $250,000
  • Repayment terms up to 20 years
  • 10 Year draw period
  • Up to 80% Loan to Value Maximum
  • There is a one-time origination fee of $750
  • Easy access to funds through online banking, 24/7 phone teller or at any branch
  • Interest may be tax deductible

APR = Annual Percentage Rate. This is a variable rate loan secured by real estate. The rate is calculated using an index plus a margin. The index used is the Prime Rate published in the Wall Street Journal and we will use the most recent index available to us at the 20th day of the month. The rate adjust quarterly. The floor rate is 5.25% APR*. All loan commitments will be based on approval of credit and based on the creditworthiness & abilities of the individual borrower. We are an equal housing lender. NMLS ID 902112

Contact a Lending Officer for more information

Apply Now!

Loan Products

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Have a question, concern or comment? Just ask our CEO Rob Greaff. Expect to receive a response within 48 hours.

Our Contact Info

Mailing Address
P.O. Box 2566
Antioch, CA 94531
Main Branch
701 W. 18th St.
Antioch, CA 94509
Phone: 925-757-0237
Fax: 925-778-4315

Lone Tree Branch
5123 Lone Tree Way
Antioch, CA 94531
Phone: 925-757-0237
Fax: 925-706-1085

Call 24: Our 24/7 Phone Teller
833-631-1249

Credit Union Hours

Regular Hours
18th Street Branch Hours
Monday – Friday: 9am to 5pm
Closed Saturday & Sunday

Lone Tree Branch Hours
Tuesday through Friday: 9am – 5pm
Saturday: 9am – 3pm
Sunday & Monday: Closed

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