Refresh Your Finances This Fall!
2.99% APR* for ALL Balance Transfers and Purchases on our VISA
Fall is a great time to give your finances a fresh start. For a limited time, MAHPFCU is offering a special 2.99% APR* on balance transfers and purchases with your VISA credit card. Transfer higher-interest balances, simplify your payments, and save more this season.
Apply online or call us at (925) 524-5626 for a new card or credit limit increase today.
This exclusive offer is available through November 1st!
*APR=Annual Percentage Rate. Offer available for new and existing Visa credit card accounts. Introductory rate applies to both purchases and balance transfers. Introductory rate will be available for 12 billing cycles for balance transfers and purchases between 8/21/2026 to 10/31/2026. At the end of the 12 billing cycles, the rate will revert to the risk-based pricing rate the member qualified for at the time of application. Rates, terms and current underwriting guidelines are subject to change. Additional restrictions may apply. Offer expires 11/1/26.
Two Smart Ways to Borrow
Save More When You Borrow
Take Advantage of No Application Fee + Up to $500 in Closing Costs Covered on a Home Equity Loan or Home Equity Line of Credit
Put your home’s equity to work with the option that fits your goals—predictable payments with a Home Equity Loan, or flexible access with a HELOC.
- Home Equity Loan rates as low as 4.99% APR1
- HELOC with a 1% rate discount for the first year
Ideal when you know how much you need and want the confidence of predictable monthly payments. 1APR=Annual Percentage Rate. 2Representative Sample: $1,000.00 at 4.99% X 60 mos. = $18.88. Loan amount and terms subject to approval; your rate may be different depending on loan amount, term, credit score and other factors. Your rate will be disclosed prior to funding. Rates are subject to change. A flexible line of credit—borrow what you need, when you need it, and pay interest only on what you use. 3MAHPFCU will waive the application fee for all applicants. No annual fee. Appraisal fee will be collected at time of pre-approval and may vary from $50 to $1,500. APR=Annual Percentage Rate. Applicant must qualify for loan. Scheduled rate change dates occur on the 1st business day of January, April, July, and October. APR will never increase above 15.00%. Minimum advance of $10,000 is required at opening. An early-termination fee of $500 applies if the line of credit is closed within the first 2 years. This offer is subject to other restrictions, terms, and conditions as stated by the Open-End Home Equity Credit Agreement & Truth-In-Lending Disclosure, copies of which are available from MAHPFCU. Rates and terms are subject to change without notice. Single unit owner occupied residence only (single family residence, townhouse, or condominium). Adequate property insurance required for life of loan. Flood insurance may be required. 4As of 12/11/2025, the Prime Rate (as published in the Wall Street Journal) is 6.75%. Floor rate is 3.000%. 5†80.01 - 90% CLTV for the $25,000 LOC; Up to 80% CLTV for $100,000 LOC; Up to 70% CLTV for $200,000 LOC
Home Equity Loan2
Home Equity Line of Credit (HELOC)3
