In my 30+ years in Somerset, I have never seen a financial institution with such great service. Keep up the great work, you have a great deal to be proud of.
SFCU Member
Home Equity Loan Rates
Fixed-Rate Home Equity Loan – 1st Lien
Effective Date: Wednesday, October 29, 2025
| Term | Rate | APR* |
|---|---|---|
| 10 Years | 6.25% | 6.25% |
| 15 Years | 6.375% | 6.375% |
APR based on $100,0000. Maximum loan amount – $100,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Fixed Rate Home Equity Loan – 2nd Mortgage
Effective Date: Wednesday, October 29, 2025
| Term | Rate | APR* |
|---|---|---|
| 5 Years | 6.500% | 6.500% |
| 10 Years | 6.875% | 7.000% |
| 15 Years | 7.250% | 7.250% |
APR based on $50,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Home Equity Line of Credit
Effective Date: Wednesday, October 29, 2025
| Term | Rate | APR* |
|---|---|---|
| 10 Years | 6.125% | 6.125% |
After the first year (12 months) the interest rate adjusts 1.0% per quarter up until it reaches the current Wall Street Journal Prime rate, not to exceed 18.0%. Maximum loan amount – $150,000.
| Term | Rate | APR* |
|---|---|---|
| 10 Years | 6.250% | 6.250% |
After the second year (24 months) the interest rate adjusts 1.0% per quarter up until it reaches the current Wall Street Journal Prime rate, not to exceed 18.0%. Maximum loan amount – $150,000.
*APR = Annual Percentage Rate. The rate is based on approved credit, direct payment from a SFCU account, and is subject to change without notice. Refinancing existing SFCU loans excluded. Minimum $5.00 deposit account required. This offer may be withdrawn at any time. Other restrictions may apply. Other terms and rates may apply based on the credit worthiness of the borrower and alternative payment sources.
Our Money Management Officer, Kassandra, was great to work with. I do not think she could do better.
SFCU Member
Arlene Fortin has always been an absolute pleasure to work with.
SFCU Member
I have been a member for a very long time. I am always satisfied with whatever I need to do at the Credit Union. The staff is always accommodating and courteous. The hours of operation are also very convenient.
SFCU Member