Welcome to Miramar Federal Credit Union, Traditional Service with Modern Access

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About Us

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Fee Schedule
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Regulation GG

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Home Equity Line of Credit.                                           

With Miramar Federal Credit Union's No Fee Home Equity Loan, you can use your equity to establish a Miramar Federal Credit Union line of credit. Apply just once, then use the money for anything you want:
  • Finance Home Improvement Projects
  • Pay Off Credit Cards
  • Buy A New Car, RV or Boat
  • Fund College Tuition Costs

And the interest is most likely tax deductible, which can save you even more money.**

Establish a Home Equity Line of Credit of up to 80% of the appraised value. Rates are based on the percentage of the appraised value you establish.

Current Home Equity Line of Credit Rates
75% of Appraised Value
5.00%(1)APR (Prime Rate +0.00)
80% of Appraised Value
5.50%(2)APR (Prime Rate  +0.50)

                                                                                                (1) Floor Rate (Minimum Rate) is 5.00%

                                                                                                (2)Floor Rate (Minimum Rate) is 5.50%

Why Choose Miramar Federal Credit Union?

It's simple, our loan process is fast and easy, which means you'll get your money faster. We also have terms up to 15 years on loan amounts up to $200,000 for those who qualify.


Applying is Simple.

To start your Home Equity Mortgage Loan application today call us for a Home Equity Loan Mortgage package at 1-800-640-1228 Ext 135 or Ext 112.

 What You'll Need to Apply:

  • A Copy of Your Current Pay Stub

  • Copies of Your Last Two Years' W-2s
  • Copy of Note and Deed of Trust for Your Current First Mortgage
  • A Copy of Your Most Recent Mortgage Statement
  • A Copy of Your Homeowners' Insurance Policy
  • A Completed Miramar Federal Credit Union Home Equity Loan Application


HELOC Disclosure
* Available to qualified members on owner-occupied single-family residences.  Loan and lines secured by owner-occupied town homes and condominiums available on different terms.   Rates and terms are subject to change without notice.

** Consult your tax advisor regarding deductibility of interest.


10-year draw period.
15-year repayment period

Rates and terms are subject to change without notice

Apply for a Loan

Apply for Membership

Current Savings Rates

Contact Us

Office Hours:

M-F: 9:00 to 5:00


Call us at:
800-640-1228 or

Our Telephone  Center Representatives will be glad to help you @ Ext 0


Lost/Stolen Debit Card or ATM Card (24/7):


From International Location, Call Collect:



Lost/Stolen MasterCard (24/7):





Mailing Address:
Miramar FCU
P.O. Box 261370
San Diego, CA 92196-1370

Main Office:
Miramar FCU
9494 Miramar Rd
San Diego, CA 92126


Office Hours:

M-F: 9:00 to 5:00


M-F: 8:30 to 9:00


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