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Home Equity Line of Credit (HELOC)

Are you looking for a different loan option? Home Equity Line of Credits (HELOCs) are a great option if you need to borrow money but aren't sure how much you need. You could qualify for a large line of credit with a low rate to help you affordably achieve your goals.


Up to 100% combined loan to value

You may receive up to 100% combined loan to value for your home equity lines of credit so you can afford your goals better.

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Loan amounts up to $250,000

You could qualify for a loan up to $250,000 to better help you afford those larger projects.

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Unlimited draws per year

Get an unlimited number of draws from your line of credit so you can access your funds easier.

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No prepayment penalties

Pay off your loan sooner! You don't have to wait for the full term of the loan in order to avoid a penalty fee.

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Local underwriting & servicing

Have greater confidence knowing your line of credit approval and servicing is done locally.


Use for any purpose

That's right, you can use your home equity line of credit for almost anything you want, not just home improvements.

Up to 100% combined loan to value

Get more financing from your home's equity than the industry standard

At other providers, you may only receive up to 80% of your home's equity for a line of credit. Now you can take advantage of a higher percentage of your home's value in order to better finance your needs.

A credit union with a focus on you

Why choose us?

When you join SCCU, it's the start of something new. You can trust our ability to provide quality financial products and services that are proven with our 90-year legacy. With us, you are not just another number, you are an individual.

How to get started

If you want to borrow from your home equity, you need to follow these steps.

  • 1

    Complete an application

    Apply for home equity lines of credit online or in-person at one of our branch locations.

  • 2

    Complete a home appraisal

    If necessary for your specific application, have your home appraised to determine its value.

  • 3

    Get approved and use funds

    Once approved, you can start using your line of credit to pay for a variety of expenses.

Your home's equity may offer a large line of credit that will help you achieve goals at affordable rates!

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*All loans are subject to approval. Membership eligibility required.

Rates and terms subject to change at any time and without notice.  Additional loan programs may be available. Homeowner’s insurance required. Early termination fee applies.

Home equity lines of credit are variable-rate loans. Rates are as low as 4.25% APR (Annual Percentage Rate) with a maximum of 18.00% APR and are based on an evaluation of credit history, CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may differ. For loan amounts up to $250,000, closing costs that members must pay typically range between $284 and $1996. Rates are subject to change – information provided does not constitute a loan commitment.

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