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Fixed Rate Home Equity Loans

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.

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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.

046-time is money

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.


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As low as APR*

Estimate your monthly payment

Let's see what your monthly payment could be.

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Low Rates

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!

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Up to 90% LTV

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.

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    • ARM products are based on a 30 year amortization
    • 1st Mortgage, Owner occupied
    •  80% of Purchase Price or Appraised Value whichever is less
    • Greater than 80% LTV requires PMI Insurance
    • Vacation Homes/2nd homes are .25% higher and require 20% down payment
    • Manufactured Loans minimum down payment 20%, New Home only for ARM’s; new and used available for fixed rates
    • Escrow may be required
    • One to four family primary residence; no commercial property
    • Adjustable Rate Mortgage rate and payment changes:
      The rate indicated for adjustable rate mortgages is the initial rate and is subject to increase.
      For example; the 5/1 Year ARM will have a constant interest rate for the first five years. Adjustable rates may change annually based on an “Index”.
      Before each Change Date, we will calculate the new interest rate by adding the “Margin” to the “Current Index”. The result will then be rounded to the nearest one-eighth of one percentage point (0.125%) which will be the new rate.
      The rate may not adjust more than the “Max Rate change per Period” indicated above on each “Change Date”. The total loan adjustment will not adjust more than the Lifetime Cap indicated above over the “Life time Change” of the loan.

    NMLS# 609016

I had the easiest loan process in my life.

— Scott T

How it works

It's easy to get a Fixed Home Equity Loan with us.

  • 1

    Complete an application

    It takes only minutes to fill out the online application.

  • 2

    Get an appraisal

    Have your home appraised, if necessary.

  • 3

    Use the funds

    Get approved and use the funds as you wish.

Apply for a Home Equity Loan


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.

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