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Fixed Rate Home Equity Loans

Get a low-rate loan secured by the equity in your home

Use the equity in your home to finance just about anything life throws your way. With a Fixed Rate Home Equity Loan from SFCU, you can enjoy low-rate financing without the hassle.

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Receive Funds in Lump Sum

Unlike a revolving line of credit, with a Fixed Rate Home Equity Loan you will receive your funds in one lump sum.

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Low Rates

Enjoy lower interest rates compared to many other types of loans because the loan is secured by the equity in your home.

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Fixed Monthly Payments

It's easy to predict your monthly payment with fixed rates that won't change over the course of the loan.

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Flexible Terms

Choose a payment that works best for your goals with flexible terms between 5, 10, and 15 years.

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And more

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Rates

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As low as APR*

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Low Rates

Some of the lowest rates around

Unlike unsecured personal loans, Fixed Home Equity Loans are secured by the equity in your house. Because there's less risk, you get lower rates!

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Up to 90% LTV

Qualify for a larger loan

With a Fixed Home Equity Loan from SFCU, you can get up to 90% loan to value on your primary residence. Use more of your home's equity to cover nearly any expense.

Apply for a Home Equity Loan
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    • ARM products are based on a 30 year amortization
    • 1st Mortgage, Owner occupied
    •  80% of Purchase Price or Appraised Value whichever is less
    • Greater than 80% LTV requires PMI Insurance
    • Vacation Homes/2nd homes are .25% higher and require 20% down payment
    • Manufactured Loans minimum down payment 20%, New Home only for ARM’s; new and used available for fixed rates
    • Escrow may be required
    • One to four family primary residence; no commercial property
    • Adjustable Rate Mortgage rate and payment changes:
      The rate indicated for adjustable rate mortgages is the initial rate and is subject to increase.
      For example; the 5/1 Year ARM will have a constant interest rate for the first five years. Adjustable rates may change annually based on an “Index”.
      Before each Change Date, we will calculate the new interest rate by adding the “Margin” to the “Current Index”. The result will then be rounded to the nearest one-eighth of one percentage point (0.125%) which will be the new rate.
      The rate may not adjust more than the “Max Rate change per Period” indicated above on each “Change Date”. The total loan adjustment will not adjust more than the Lifetime Cap indicated above over the “Life time Change” of the loan.

    NMLS# 609016

I had the easiest loan process in my life.

— Scott T

How it works

It's easy to get a Fixed Home Equity Loan with us.

  • 1

    Complete an application

    It takes only minutes to fill out the online application.

  • 2

    Get an appraisal

    Have your home appraised, if necessary.

  • 3

    Use the funds

    Get approved and use the funds as you wish.

Apply for a Home Equity Loan

 

Have a question? Get in touch with us

Fast and simple financing to cover nearly any expense.

It's easy to get the funding you need to cover life's expenses. With a Fixed Home Equity Loan from SFCU, you can get a lump sum of low-rate financing secured by your home's equity to help you pay for just about anything.

Apply for a Home Equity Loan

Fixed Rate Home Equity Loans Rates

as of 2/7/23 -90% of appraisal minus balance owing on the 1st lien -Loans with LTV 81% to 90% at .50% higher -Member Rewards apply to Fixed Home Equity only. -When doing an"SFCU pays closing cost" loan, the rates above increase by .50% -Manufactured Home Loans 80% LTV or under

10-year term- older than 20 years 15-year term-up to 20 years
¹ Monthly Payment Examples assume a loan amount of $50,000. Taxes and insurance premiums are not calculated into the example which could result in a higher monthly payment.

– 90% of appraisal minus balance owing on the 1st lien
– Loans with LTV 81% to 90% at .50% higher
– Member Rewards apply to Fixed Home Equity only – Receive 0.50% discount when you direct deposit your payroll, social security or pension
– When doing an”<strong>SFCU</strong> pays closing cost” loan, the rates above increase by .50%
– Manufactured Home Loans 80% LTV or under
– 10-year term- older than 20 years
– 15-year term- up to 20 years

*Some interest can be claimed as a deduction. Please consult your tax professional to discuss.
NMLS# 609016

Features

No closing cost option available

Skip the closing costs and keep more money in your account with a our no closing cost option.

 

Eligible for member rewards

Receive 0.50% discount off the rate when you direct deposit your payroll, pension or social security.

 

Loan Interest may be tax deductible*

Your loan’s interest may be tax deductible. Consult your tax preparation professional for additional details.

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Rates effective as of: November 9, 2024

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