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Get a HELOC at a low rate of 5.99% APR* for the first year (owner‑occupied properties only)

Upgrade your kitchen. Put in a pool. Pay college tuition or for a wedding. And so much more!

Why choose an SCCCU HELOC?

  • 5.99% APR* Introductory Rate for the first year (owner-occupied properties only). After that, it converts to a standard rate of Prime to Prime +1.25%.
  • No annual fee, processing fees, or documentation fees.**
  • Credit limits range from $10,000 to $250,000, and because it’s a line of credit, use only what you need when you need it.
  • Use your credit line when you need it for the first 10 years, and then you’ll get another 10 years to repay it.**
  • The interest you pay may be tax deductible.+

And if you use Online Banking or Mobile Banking, you can transfer funds to your checking account and use your money immediately.
Get more details about FREE Nimble Checking here.

Questions? Please call us at 831-425-7708

*APR = Annual Percentage Rate. The 5.99% rate quoted is an introductory rate that is for the first 12 months of your loan and is available to owner-occupied properties only. After that, the rate will convert to either Prime or Prime + 1.25%, depending on creditworthiness. You can obtain a non-owner-occupied HELOC at a rate of Prime + .25% to Prime + 1.50%, but these loans do not qualify for the introductory rate offer. Loans have a 20-year term – a 10-year draw period, and then another 10 years to repay the loan amount.
**SCCCU doesn’t charge an annual fee or any processing fees to obtain a HELOC; however, members must pay the title/escrow fee (which is approximately $1,000).
+See your tax advisor for details.