Home Equity Line of Credit (HELOC)

Home Equity Line of CreditWhether you’re planning to update one room or renovate your entire home, our Home Equity Line of Credit is perfect for all your spring and summer home improvement projects. You're able to borrow from your home as a line of credit, similar to borrowing with a credit card. You can borrow what you need, as you need it, up until you reach your credit limit.


Home Equity Line of Credit
rates as low as

3.00% APR*

Apply For A HELOC Today

*View full rate information and qualifiers.


What is a Home Equity Line of Credit?

A home equity line of credit is a revolving, variable-rate line of credit secured by your home’s equity/collateral. The amount you borrow is based on the difference between the amount you owe on your home and its market value. You can use the money whenever you need it, with no fixed schedule. If you’re approved, you can withdraw what you need, when you need it, and only make payments on the funds you withdraw.

Use your HELOC for:

  • Remodeling or repairing your home
  • Paying for educational expenses
  • Taking a vacation
  • Debt consolidation
  • Updating your landscaping
  • Personal start-up businesses

Life events

Home Equity Line of Credit Benefits

  • Great low rates
  • No closing/origination fees
  • No required balance or annual fee
  • Interest paid may be tax deductible*
  • Only pay interest on the part that’s used
  • Unused funds are available for later use
  • Convenient access to your HELOC through Online Banking & Mobile Banking
  • And more!

*Consult a tax advisor.


Looking for help paying your loan?

How to pay and who to contact


Make an appointment with our team in the branches!

Do you have questions about your account? Do you need to apply for a loan or a credit card? 

If you schedule an appointment online, you can choose the time and date that works best for your schedule to come into a branch. You can avoid waiting in the lobby when you need financial help.

Make an Appointment



*APR=Annual Percentage Rate. Rates effective 9/1/20. Rates are subject to change. All loan requests subject to credit approval. Actual rate and term based on creditworthiness of borrower and percentage of loan-to-value; rates subject to change without notice. The minimum interest rate for a Home Equity Line of Credit is the Prime Rate 3.25% - 0.25% = a minimum floor of 3.00% APR and a maximum rate of 18% APR. HELOC rate shown is based on up to 80% LTV for all applicants with credit score 700 or higher. Please contact a SFCU representative for additional information; consult your tax advisor about the possible deductibility of interest. 

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