Unlock Your Home's Value With a Service Credit Union Home Equity Loan

^*Rates shown are Annual Percentage Rate (APR). HELOC rate of 4.99% APR is fixed for the first 12 months and is available to members with direct deposit or for members who will establish direct deposit. HELOC Rate will be 5.49% if there is no direct deposit into a Service Credit Union account. The rate after the first 12 months will vary based on the Wall Street Journal Prime “Prime” rate published on the last business day of the month, 6.75% APR as of 12/11/2025. APR may increase after the loan is closed; maximum APR is 17.125%. 4.99% APR not permitted on refinanced Service Credit Union HELOCs. Minimum line of credit is $25,000. Property insurance is required. During the 10-year draw period a Home Equity Line of Credit with a balance of $25,000 and APR of 4.99% for the first 12 billing cycles will result in 12 interest only payments of $103.96.  During the 10-year draw period a Home Equity Line of Credit with a balance of $25,000 and APR of 5.49% for the first 12 billing cycles will result in 12 interest only payments of $114.38.   A balance of $25,000 and variable APR of 6.75% will result in 108 interest only payments of $140.63 followed by 180 payments of $221.23 and one (1) final payment of $220.41 during the repayment period. Payment example does not include taxes and insurance; actual payment obligation will be greater. During draw period minimum payment required is interest only. Closing costs will apply to home equity lines of credit secured by properties that are listed for sale. Properties currently on the market will be subject to credit report, title, recording, settlement, and appraisal fees (approximately $900). Certain costs associated with the transaction will be the members responsibility regardless of property listing status, including but not limited to per diem interest, taxes of any kind, and insurance premiums. Existing Service Credit Union HELOC’s are not eligible. An early termination fee of $800 applies if paid off and closed within 36 months of opened. The fee will be waived if refinanced with Service Credit Union if the borrower paid closing costs for the home equity line of credit. Other exclusions may apply, please ask your loan originator for details. Subject to credit worthiness and dwelling requirements. Must be an existing member or eligible for membership.