Get a low-rate loan secured by the equity in your home
Use the equity in your home to finance just about anything you may be planning. Start planning that vacation or renovation with a Fixed Rate Home Equity Loan from SFCU.
Receive Funds in Lump Sum
Unlike a revolving line of credit, with a Fixed Rate Home Equity Loan you will receive your funds in one lump sum.
Low Rates
Enjoy lower interest rates compared to many other types of loans because the loan is secured by the equity in your home.
Fixed Monthly Payments
It's easy to predict your monthly payment with fixed rates that won't change over the course of the loan.
Flexible Terms
Choose a payment that works best for your goals with flexible terms between 10 and 15 years.
Rates
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Monthly Payment
Some of the lowest rates around
Unlike unsecured personal loans, Fixed Home Equity Loans are secured by the equity in your house. Because there's less risk, you get lower rates!
Qualify for a larger loan
With a Fixed Home Equity Loan from SFCU, you can get up to 100% loan to value on your primary residence. Use more of your home's equity to cover nearly any expense.
I had the easiest loan process in my life.
-
1
Complete an application
It takes only minutes to fill out the online application.
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2
Get an appraisal
Have your home appraised, if necessary.
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3
Use the funds
Get approved and use the funds as you wish.
Have a question? Get in touch with us
Fast and simple financing to cover nearly any expense.
It's easy to get the funding you need to cover life's expenses. With a Fixed Home Equity Loan from SFCU, you can get a lump sum of low-rate financing secured by your home's equity to help you pay for just about anything.
Fixed 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: May 21, 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.
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