Skip nav to main content.

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 can qualify for a large line of credit with a low rate to help you affordably achieve your goals.

Apply for a Home Equity Line of Credit

Using the existing equity in your home, you can apply for and receive a flexible, low-rate line of credit. You can use this line of credit to pay for a variety of expenses and help you achieve needed goals.

Up to 90% combined loan to value

You may receive up to 90% combined loan to value for your home equity lines of credit so you can afford your goals better.

Loan amounts up to $250,000

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

Unlimited draws per year

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

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.

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 anything you want, not just home improvements.

Up to 90% 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.

Run the numbers

Monthly Payment

Loan Amount

Rate

Term Months

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!

Apply for a Home Equity Line of Credit

You might also be interested in

Home Loans

Mortgage

Personal Loan

Disclosures

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

Rates

Example Table 1

Column Title

Cell Value

Rates effective as of: January 18, 2025

{Optional: Insert table disclosure information}

Example Table 1

Column Title

Cell Value

Rates effective as of: January 18, 2025

{Optional: Insert table disclosure information}

Home Equity Line of Credit (HELOC)

Up to 90% combined loan to value

Loan amounts up to $250,000

Unlimited draws per year

No prepayment penalties

Local underwriting & servicing

Use for any purpose

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

Run the numbers

Why choose us?

How to get started

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

You might also be interested in

FAQ Example 1

FAQ Example 2

FAQ Example 3

FAQ Example 4

Feature

Feature

Feature

Feature

Feature

Feature

Feature

Feature

Feature

Feature