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Did you know you could use your home’s equity to your advantage as a way to consolidate debt, make improvements to your house or even pay for education?

With a lower interest rate than many other types of loans, a home equity loan allows you to get more out of your home. We offer two types of equity lending to suit your needs: a fixed rate home equity loan, for those who want to receive their money in a lump sum, or a variable rate home equity line of credit (HELOC), which offers a revolving line of credit when you need it.

Take advantage of one of the lowest HELOC and home equity loan rates around.

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*Advertised rates show promotional discounts. Promotional discount on HELOC of .75% is for an 18-month promotional period. Home equity loan discount is .5%. To qualify for the discounts, requirements are $20,000 or greater disbursed at closing. Member may not refinance an existing SCU loan. Member must have direct deposit of $800 or more per month and elect automatic payments. Automatic payments for HELOCs will go towards interest during the draw period. Annual Percentage Rate (APR) is variable and based on The Wall Street Journal Prime Rate. The monthly interest rate will remain an adjustable rate and will be set each month using the formula of the Wall Street Journal Prime Rate plus 0%. The maximum annual percentage rate that may be imposed in a variable rate plan is 17.125%. After 18 month promotional period, variable APR of 5.000% will apply. Home equity loan discount will remain for the duration of the loan as long as direct deposit and automatic payments are maintained. All Service Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.