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 5, 10, and 15 years.
Rates
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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 90% 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 Loans Rates
Type of Loan | Term (Approx.) | APR (as low as) | Example Monthly Payment |
---|---|---|---|
Fixed Home Equity LTV 80% or less |
60 months |
6.500% |
$978.31 |
120 months |
6.625% |
$570.93 |
|
180 months |
6.875% |
$445.93 |
|
Fixed Home Equity LTV 80.01-90.0% |
60 months |
6.750% |
$984.17 |
120 months |
6.875% |
$577.33 |
|
180 months |
7.125% |
$452.92 |
as of 11/27/2023 Monthly Payment Example is based on $50,000 and does not include escrow. Credit Union membership is required with a minimum deposit of $5 for all products. You may be required to pay certain fees to third parties to open a home equity loan. These fees 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 homeowner’s insurance is required. Flood insurance may be required. Escrow 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. - Maximum CLTV (Combined Loan-to-Value) is 90%. Certain terms apply, contact the Credit Union for details. - Must be in 1st or 2nd lien. Property must be a 1-4-unit owner-occupied property. - Manufactured/Mobile homes with land are accepted with a maximum CLTV of 80%. Certain terms apply, contact the Credit Union for details. - Closing costs can be waived with an add-on of 0.50%. The loan must remain open for a minimum of 36 months to avoid reimbursing waived fees. - Title insurance may be required and would be paid by the borrower (even if a promotion to waive costs is in effect).
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Rates effective as of: December 9, 2023
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