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Home Equity Loans

Are you looking for a different loan option? Home Equity Loans could be a great fit for you, with 10-year, 15-year, and 20-year terms* available to provide all the flexibility you need.

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Low Closing Costs

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

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Flexible Terms*

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.

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 second mortgage. Now you can take advantage of a higher percentage of your home's value in order to better finance your needs.

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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.

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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 loans are fixed-rate loans. Rates are as low as 3.99% 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. Taxes and insurance premiums are not included in the payment and that the actual payment obligation may be greater.

Payment Example: For a $160,000 loan for a term of 30 years with a 6.375% Annual Percentage Rate (APR), the monthly payment would be $1,365.

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