Member Notice - Our New Leaf ATM installation and upgrade will take place April 23rd - April 25th. Our ATM will be unavailable during this time. Please visit our Front Street location for additional SCCCU ATMs.
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Home Equity Loans

Equity's one of those serious-sounding words that is really just a lot of fun. Fun in that you can do just about anything with it. Use the equity you've built in your home for a low-rate loan from SCCCU.

Dream kitchen, dream vacation, dream to consolidate debt. (OK, that last one might not be fun, but it is helpful). We'll take the time to explain all your possibilities. If it's right for you, we make the process fast and easy.

Santa Cruz Community Credit Union is registered with the Nationwide Mortgage Lending System (NMLS).

Santa Cruz Community Credit Union ID #418539

Home Equity Loan Details

What you need to know about opening a Home Equity Loan at SCCCU.

Features

  • Low competitive rates
  • Interest is typically tax deductible*
  • Local decision-making
  • Fixed term or home equity line of credit (HELOC)
  • Use funds for most any purpose
  • Easy, streamlined application process
  • Personal service at every step

All residents of Santa Cruz County and northern Monterey County may apply for a loan from Santa Cruz Community Credit Union.

*Consult a tax advisor.‚Äč

HELOC

A HELOC is an alternative to a fixed term loan. Instead of receiving loan funds in one lump sum up front, you have a credit line that is always there in case you need it.

  • Use funds as needed
  • Only pay interest on what you use
  • Interest is typically tax deductible*
  • Re-access credit line when needed without re-applying

All residents of Santa Cruz County and Monterey County may apply for a loan from Santa Cruz Community Credit Union.

*Consult a tax advisor.