Get a line of credit to cover costs on the fly
If you're not sure how much money you'll need, a Home Equity Line of Credit (HELOC) will give you flexible funding to draw on to cover various expenses secured by the equity in your home.

Line of Credit
Draw as much or as little from your HELOC up to your approved limit and only pay on what you borrow.

Low Rates
Since a HELOC is secured by your home's equity, you can enjoy lower rates compared to other types of personal financing.

Up to 90% CLTV
Get more financing from your home's equity with up to 90% combined loan to value for primary residences.

No Closing Costs
Skip the closing costs and keep more money in your account when you work with SFCU for your HELOC. Terms & conditions apply see Disclosure below for details.
Rates
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Spend less on interest and keep more money in your account
Home equity lines of credit are secured by the equity in your home, meaning you can enjoy much lower rates compared to other types of personal financing. With low rates come big savings!

Flexible financing to help you pay for ongoing costs
A HELOC isn't a loan that comes in a lump sum. You'll have access to a line of credit on which you can draw as much or as little as you need. Lines of credit are ideal for ongoing variable costs, like renovating your home, funding a vacation, covering medical expenses, or paying for education, to name a few.

I had the easiest loan process in my life.
-
1
Complete an application
Our friendly & professional mortgage reps will guide you through the application
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2
Have your home appraised
If required, get your home evaluated to determine the value.
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3
Use your line of credit
Once approved, you may start using the funds in your HELOC as needed.
Have a question? Get in touch with us
Have the funds to cover whatever costs life might throw your way
With a HELOC from SFCU, you can get a low-rate line of credit you can use to pay for a wide variety of ongoing expenses, backed by the equity in your home.
Home Equity Line of Credit (HELOC) Rates
Loan Type | Initial Rate | Margin | Index (Prime) |
---|---|---|---|
HELOC - 80% or Less LTV ** |
1.990% |
0.00% |
8.50% |
HELOC 81% to 90% LTV ** |
1.990% |
0.25% |
8.50% |
as of 08/21/2023
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.
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.
- 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.
- Index is Prime Rate as published in the Wall Street Journal on the 20th of the month prior to the change.
- Rate is variable and may change quarterly based on the applicable index and margin. Quarterly changes occur on the 1st of January, April, July and October if a change were to occur.
- There is no floor rate and maximum rate is 15%.
- HELOC loans are based on a 10-year amortization.
- Payments are principal & interest with a minimum monthly payment of $100.
- Closing costs are waived. The line 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).
The initial rate indicated for the HELOC will remain constant for one year and is subject to increase after. This initial rate is not connected to an index. The rate change thereafter may occur quarterly based on the index plus margin.
Ask us for the index and margin.
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Rates effective as of: December 9, 2023
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