Unlock the power of your Home's Equity.

We'll help you choose the right Home Equity financing option to meet your needs.

With rates as low as 6.49% APR2 on Home Equity Loans, Home equity financing can be a smart financial choice to consolidate debt, improve your home and much more!


Learn about Home Equity Loans or HELOCs from Sacramento Credit Union and unlock the power of your Home's Equity. Choosing a Home Equity Loan or Home Equity Line of Credit (HELOC) is an important financing choice. We'll help guide you on the right path based on your needs. Using the equity built up in your home can be a great financial choice to consolidate consumer debt, improve your home, or even go relax on a vacation.

Fill out the contact form and one of our skilled credit union lending specialists will help you get started. Or Click Apply Now if you already know the SCU Home Equity product that's right for you.

  • Access cash when you need it with this flexible credit line that uses your home’s equity as collateral
  •   Pay interest only on the funds you borrow
  •   Interest may be tax deductible3
  •  View our HELOC rates now
Ready to get started? Click the button below to apply. 
APR=Annual Percentage Rate. 1The APR is based on the value of an index. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. All loans are subject to property valuation, owner-occupied properties limited to one-to-four units located in the state of California. Excludes manufactured and mobile homes. Other restrictions on property may apply. Loans secured by your home other than your first mortgage must be paid at time of account funding. Rates, APR and terms and conditions subject to change without notice. Property insurance is required. Flood insurance may be required. 2The 6.49% and other terms shown are accurate as of today. The fixed Annual Percentage Rate (APR) of 6.49% is available for 48-month term, home equity installment loans with loan-to-value (LTV) up to 80%. The maximum CLTV is based on loan amount and credit quality. Loan payment example: A $10,000 loan for 48 months at 6.49% APR would have monthly payments of $237.10.  Borrower fee reimbursement: up to $750 fee reimbursement paid by the borrower if equity loan or line of credit is paid off or closed within the first 36 months. 3Consult your tax advisor.