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HELOC Rates
Up to 70% LTV
Minimum Loan Amount $5,000
Maximum Loan Amount $200,000
Owner Occupied Property Only
Product APR
HELOC Rate As Low As Prime -0.25%
Click here to view disclosures

Home Equity Line of Credit (HELOC)

Benefits

  • Apply Today. Apply online!
  • Possible tax advantages
  • A HELOC is a good choice if you want to have money available for both current and future needs
  • Access funds through line of credit checks or advances
  • Closing costs may be paid for by SMCU

HELOC details:

SMCUs Home Equity Line of Credit (HELOC) gives you the flexibility and convenience of a credit card.

  • It's a revolving line of credit, with a variable interest rate, based on the available equity in your home and other qualifying criteria.
  • Maximum loan amount $200,000.
  • A HELOC is a good choice if you want to have money available for both current and future needs.
  • Combined Loan-to-values (CLTV) to 70%.
  • First 10 years to draw on line of credit, then 15 years to repay loan.

Have questions?
Call a Real Estate Specialist at (650) 363-1799 or visit a branch near you—we're happy to answer any questions you have.

Ready to apply?
Click here to apply now.

Unsure if a HELOC is right for you?
See a detailed comparison of our Home Equity Lines of Credit and Home Equity Loans.