Local: 607-561-7328, 607-432-1451

Toll FREE: 1-800-642-7328

All Locations will be closed on Monday, October 10th, 2022 in observance of the Columbus Day holiday

Home Equity Loans


A home equity loan or home equity line of credit (HELOC) is a great way to pay for life’s projects.

Home Equity Line of Credit (HELOC)

Flexibility when you need it most. Whether it’s home improvements, debt consolidation, college tuition or the vacation of your dreams an sfcu HELOC and your home’s equity has your back!

  • Borrow up to 90% of your home’s equity (minus the balance of your current mortgage)
  • Lock into a low introductory rate for 12 months
  • No closing costs*
  • Variable rate as low as prime**
  • Interest may be tax deductible (if eligible)***
  • Easy online application
  • Access your funds online 24/7

Home Equity Loan

With low fixed rates, low fixed payments and flexible borrowing terms your project can fit your budget!

  • Borrow up to 90% of your home’s equity (minus the balance of your current mortgage)
  • Low fixed rate
  • Flexible terms from 60 months to 180 months
  • Interest may be tax deductible (if eligible)***
  • Eligible for Member Rewards discount of 0.50%****

Apply Online

*If HELOC is paid in full and closed within the first 3 years, borrower(s) may be subject to pro-rated closing cost repayment penalty.
**Variable rate based on Prime and based on credit worthiness and LTV (Loan-To-Value).  Margins range from 1.75% - 0.00%.
***Check with your tax advisor regarding deductibility.
****To qualify for Member Rewards borrower must have qualifying direct deposit to sfcu account.
NMLS # 609016
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Contact Us Today!

Phone: 877 642-7328

ART (Audio Response Teller)

Local: 607-561-7328, 607-432-1451

Toll Free: 1-800-642-7328

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Rates and earnings advertised through sfcu's website, ads, and promotions may be subject to change based on account fees.

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