Get the funds you need to pay for whatever life might throw your way
With a home equity loan, you can dip into your existing home equity to secure fast turn around, competitive rate financing to pay for everything from vehicle purchases and educational expenses to debt consolidation, home projects, and more.
Funds for the expenses you need to cover
No matter what you need to pay for, SFCU is here for you! With a home equity loan, you may be able to secure up to 100% combined loan to value on your primary residence.
-
1
Complete an application
It takes only minutes to fill out the online application.
-
2
Get an appraisal
We'll help you set up a home appraisal, if necessary.
-
3
Use the funds
Once approved, use the funds to pay for expenses.
Have a question? Get in touch with us
It's easy to get financing from your home's equity
Keep rates low by securing your loan funds against the equity in your house. With flexible terms and high combined loan to value percentages, it has never been easier (or more budget-friendly) to get the funding you need.
Home Equity Loan Rates
| Combined Loan to Value (CLTV) | Term (Approx.) | Interest Rate (as low as) | APR* | Monthly Payment Example** |
|---|---|---|---|---|
|
80% or less |
120 months |
6.125% |
6.158% |
$558.25 |
|
180 months |
6.375% |
6.399% |
$432.13 |
|
|
80.01% - 90.00% |
120 months |
6.375% |
6.408% |
$564.57 |
|
180 months |
6.625% |
6.649% |
$439.00 |
|
|
90.01% - 100% |
120 months |
6.875% |
6.909% |
$577.33 |
|
180 moths |
7.000% |
7.149% |
$449.41 |
Rates effective as of: April 30, 2025
Annual percentage rate (APR) = Annual Percentage Rate. Based on the final loan amount and applicable finance charges.
Combined Loan-to-value (CLTV) - Calculated by dividing the amount of all loans on the property, including loan that is being applied for, by its value.
1-2 Family - Up to 100% CLTV
3-4 Family - Up to 90.00% CLTV
Mobile/Manufactured Home - Up to 80% CLTV - Rate add-on of 0.50% is also applicable for these types of homes.
SFCU must be first or second lien position.
Closing Cost/ Fees: You may be required to pay certain fees to third parties to open a home equity loan. These fees are generally total between $625 and $4000. If you ask, we will provide you with an itemization of the fees you will have to pay to third parties. Certain fees may be considered a finance charge. Proof of homeowners insurance is required. Flood insurance may be required. Escrow may be required. Title insurance may be required.
All rates are subject to change at any time. The credit union reserves the right to modify or suspend any conditions of the loan programs at any time without prior notice. Credit union membership is required. SFCU only secures loans on properties located in NY, NJ and PA.
Features
Loan may be tax deductible
Home equity loans may be removed from your taxable income, potentially lowering your taxes. Consult with your tax advisor.
No closing cost option
Save more money on your home equity loan with no closing cost options available. Terms and conditions apply.
Fixed monthly payments
Know exactly what your payment will look like with fixed monthly payments that won’t change over the life of your loan.
Receive funds in lump sum
Get all your funds up front to make it easy to pay for expenses.
Low minimum loan amount
Use only the home equity you need with a low minimum loan amount of only $10,000.
Loan amounts up to $500,000
Get higher-than-usual loan amounts for more financing at your disposal with home equity loans up to $500,000.
Low interest rates
Rates on home equity loans are typically lower than other personal loans, saving you money over the course of the loan.
Flexible terms
Choose the right term that works for you with terms available from 5, 10, and 15 years.
Up to 90% LTV
Get more funding from your home equity loan with up to 90% loan to value on your primary residence.
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Let's Get Started!
Not a Member?
We’d love to welcome you to the SFCU family! Getting started is easy – just click the link below to begin opening your account.
Already a Member?
Head over to online or mobile to add a new product. See ‘xPress Accounts’ under ‘Account Services’ Menu. Or select ‘Add a Product’ to get started now.
Leaving Our Website
You are leaving our website and linking to an alternative website not operated by us. We do not endorse or guarantee the products, information, or recommendations provided by third-party vendors or third-party linked sites.