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Home Equity Loans and Lines of Credit

Access your home’s equity for low cost funds that you can use for almost anything.

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Make the Most of Your Home’s Equity.

Unlock the equity you’ve built in your home to make home improvements, pay for large or unexpected expenses, consolidate debt, and more.

Why Borrow With SCCCU?

  • We offer competitive rates and a streamlined application process.
  • Count on local decision-making and customized personal service by lenders who genuinely care about you.
  • All residents of Santa Cruz County and northern Monterey County can apply using an SSN or ITIN.
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Unlock Your Equity.

Secure a revolving line of credit for one-time projects or ongoing needs, and withdraw what you need when you need it.

Uses

  • Home improvements

  • Energy-efficient upgrades

  • Debt consolidation

  • Unplanned expenses

  • Tuition payments

  • Weddings

  • Vacations

Features

  • Low rates and flexible repayment terms

  • No annual fee

  • Borrow up to 80% of your home’s available equity for owner-occupied property

  • Borrow up to 70% of your home’s available equity for non-owner-occupied properties

  • 10-year draw (borrowing) period and a five-year repayment period

  • Use funds as needed and only pay interest on what you use

  • Re-access credit line when needed without reapplying

  • Interest may be tax-deductible*

  • Local decision-making and personal service

  • Apply with an SSN or ITIN

  • 24/7 online access to manage your loan and make payments

  • Not available for mobile homes

Rates & Terms (Coming Soon)
*Consult a tax advisor. No annual fee.

Leverage your home’s equity as collateral to borrow a lump sum and enjoy a fixed monthly payment.

Uses

  • Home improvements

  • Energy-efficient upgrades

  • Debt consolidation

  • Unplanned expenses

  • Tuition payments

  • Weddings

  • Vacations

Features

  • Low rates and flexible repayment terms

  • Borrow up to 70% of your home’s available equity

  • Equal monthly payments

  • Interest may be tax-deductible*

  • Local decision-making and personal service

  • Apply with an SSN or ITIN

  • 24/7 online access to manage your loan and make payments

Rates & Terms (Coming Soon)
*Consult a tax advisor.​

Secure a revolving line of credit for one-time projects or ongoing needs, and withdraw what you need when you need it.

Uses

  • Home improvements

  • Energy-efficient upgrades

  • Debt consolidation

  • Unplanned expenses

  • Tuition payments

  • Weddings

  • Vacations

Features

  • Low rates and flexible repayment terms

  • No annual fee

  • Borrow up to 80% of your home’s available equity for owner-occupied property

  • Borrow up to 70% of your home’s available equity for non-owner-occupied properties

  • 10-year draw (borrowing) period and a five-year repayment period

  • Use funds as needed and only pay interest on what you use

  • Re-access credit line when needed without reapplying

  • Interest may be tax-deductible*

  • Local decision-making and personal service

  • Apply with an SSN or ITIN

  • 24/7 online access to manage your loan and make payments

  • Not available for mobile homes

Rates & Terms (Coming Soon)
*Consult a tax advisor. No annual fee.

Leverage your home’s equity as collateral to borrow a lump sum and enjoy a fixed monthly payment.

Uses

  • Home improvements

  • Energy-efficient upgrades

  • Debt consolidation

  • Unplanned expenses

  • Tuition payments

  • Weddings

  • Vacations

Features

  • Low rates and flexible repayment terms

  • Borrow up to 70% of your home’s available equity

  • Equal monthly payments

  • Interest may be tax-deductible*

  • Local decision-making and personal service

  • Apply with an SSN or ITIN

  • 24/7 online access to manage your loan and make payments

Rates & Terms (Coming Soon)
*Consult a tax advisor.​

Apply for Your Loan Today

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Financial Knowledge Center

Financial questions? We’re here for you, with resources in both English and Spanish.

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