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Life’s Too Short for “Someday”

Make your next big move. Remodel, refinance, or recharge with a flexible HELOC.

From long-overdue home upgrades to long-awaited adventures, your HELOC gives you the freedom to move forward.

With a low introductory rate of 3.99% APR* for 12 months, you can use your home’s equity to fund what matters most — whether that’s refreshing your space, consolidating debt, or finally saying yes to your next big goal.

Now’s the time. Let’s make it happen.

Why Our HELOC Works for You

  • Flexible funding for your goals. Use your HELOC to renovate your home, pay off student loans, or consolidate high-interest debt.
  • Affordable and accessible. Enjoy a 3.99% APR* introductory rate for 12 months, and borrow up to $400,000 for owner-occupied property (and up to $300,000 for non-owner-occupied property) with an easy application and fast local decisions.
  • Local people. Local lending. We’re one of the few financial institutions in our community offering HELOCs. We believe in helping our members grow right here in our community.

Make “Someday” Happen Today. Apply Today!

Offer ends December 31, 2025.

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*APR = Annual Percentage Rate. The 3.99% rate quoted is an introductory rate for the first 12 months of your loan. After that, the rate will be converted to the approved rate based on creditworthiness and other criteria. The special introductory rate offer is available only for new HELOCs; existing SCCCU HELOCs are not eligible. Offer good through December 31, 2025. Certain restrictions apply.