Use your home's equity to consolidate high-interest credit cards and other debt, complete that kitchen or bathroom remodel you have dreamed of, or help with wedding expenses, just to name a few reasons to tap into that equity. A home equity loan or line of credit can make your dreams come true!
Home Equity Loans
Use Your Home’s Equity To:
Consolidate high-interest credit cards and other debt
Complete that kitchen or bathroom remodel you have dreamed of
Help with wedding or college expenses
Purchase that boat you have your eye on
Home Equity Loan or Home Equity Line of Credit can make your dreams come true! SACU offers many loan term options, including our 10-year fixed-rate home equity loan!
Home Equity Loans
Fixed rates fully amortized
80% and lower Loan To Value (LTV)
| Term | Monthly Payment* | Interest Rate | APR* As Low As |
|---|---|---|---|
| 36 Months | $ | ||
| 60 Months | $ | ||
| 84 Months | $ | ||
| 120 Months | $ |
**APR=Annual Percentage Rate. APR listed is based on a credit score of 720 or greater. ^ Monthly payment is based on payment per $1,000 for term and rate shown above. APR example is based on $50,000 loan amount. Payments do not include taxes or insurance, the actual payment obligation will be greater.
Home Equity Loans
Fixed rates fully amortized
Over 80% Loan To Value (LTV)
| Term | Monthly Payment* | Interest Rate | APR* As Low As |
|---|---|---|---|
| 36 Months | $ | ||
| 60 Months | $ | ||
| 84 Months | $ | ||
| 120 Months | $ |
**APR=Annual Percentage Rate. APR listed is based on a credit score of 720 or Greater.
^ Monthly payment is based on payment per $1,000 for term and rate shown above. APR example is based on $50,000 loan amount. Payments do not include taxes or insurance; the actual payment obligation will be greater.
HELOC (Home Equity Line Of Credit)
Over 80% LTV requires a real estate appraisal/valuation of property
| Term | Monthly Payment* | APR** As Low As |
|---|---|---|
| Up to 80% LTV | of Balance Min. | (Prime minus .50%) |
| 80.01% to 90% LTV | of Balance Min. | (Prime + 1.00%) |
| 90.01% to 100% LTV | of Balance Min. | (Prime + 2.00%) 10.50% |
* Greater of $150.00 or $1.50 for each $100 of outstanding balance as of the date of last advance. Draw period of 10 years. **Variable Annual Percentage Rate may increase after consummation. Variable rate tied to Wall Street Prime Rate. Maximum APR is 17.50%.