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Home Equity Lines of Credit (HELOC)

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% LTV

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.


Flexible Terms

Choose a term that works for you. Set your monthly payments to fit your budget with terms up to 10 years available.


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As low as APR*

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Low Rates

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!

Line of Credit

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.

United (52)
    • 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

Get stted today and let us guide you through the process

  • 1

    Complete an application

    Our friendly & professional mortgage reps will guide you through the application

  • 2

    Have your home appraised

    If required, get your home evaluated to determine the value.

  • 3

    Use your line of credit

    Once approved, you may start using the funds in your HELOC as needed.

Apply for a HELOC


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.

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