Home Equity Line of Credit

Let the value of your home benefit your next project or adventure!

Use the equity available in your home for tuition payments, home repairs or improvements, bill consolidation and more.


Easy way to tap into your home’s value

No closing costs if you borrow at least $25,000 – you pay only appraisal and mortgage discharge fees, if applicable

May borrow less than $25,000 – closing costs apply

Fast approval process

Finance up to 80% of the appraised value less any first mortgage balance

Convenient – just write a check!

Adjustable rate tied to prime rate with quarterly caps for your protection

10 year draw period with interest-only payments followed by a 10 year payback period

Must be owner occupied

Upon approval you will need to open an account with the Credit Union and maintain a $5 minimum balance in the account for the life of the loan.

Rates/Terms are subject to change without notice.

The annual percentage rate (APR) can change quarterly after remaining fixed for 12 months. The rate cannot increase or decrease by more than 1 percentage point per adjustment. The maximum annual percentage rate that can apply during the line of credit is 18%. The minimum annual percentage rate that can apply during the line of credit is 3%.

ATTENTION MEMBERS: Our Popmoney® personal payment service partner has decided to discontinue the Popmoney® service, effective 06/21/2023. As a result, Zelle® will be the preferred peer to peer payment system for members of SFCU starting 06/22/2023.
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