1.95% APR* Home Equity Line-of-Credit (HELOC) 12-month introductory rate
Dream vacations, new car, tuition, etc. Whatever you're in the market for' "it's on the house"

Home Equity

Home Equity Loans & Home Equity Lines-of-Credit

If you are a homeowner, a Home Equity Loan or Line-of-Credit could be your best borrowing bargain! Also called a second mortgage, a Home Equity Loan pledges your house as collateral.

Apply Today!

Home Equity Loans- Rates as low as 2.49% Annual Percentage Rate!

With a Sb1 FCU Home Equity Loan or an Sb1 Line-of-Credit you can:

  • Remodel your home
  • Consolidate higher interest debts
  • Purchase a new vehicle
  • Finance an education
  • Pay for wedding expenses

And best of all, your interest may be tax deductible. Check with your tax advisor for details.

There's one low fee of $95 on any Home Equity Loan. Certain states such as NY and Florida incur a tangible tax that will be paid by the borrower and is not included in the $95.

 

 

Home Equity Options

View our full range of Home Equity products:

Sb1 Fixed Rate Home Equity Loans 

  • Fixed rate loans available up to 80% Loan-to-Value
  • Interest may be 100% tax deductible (Consult your tax advisor)

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Sb1 Home Equity Lines of Credit

  • Available up to 80% Loan to Value of home's value.

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Sb1 5/1 Home Equity Adjustable Rate Mortgage

  • A low starting rate that will be guaranteed for 5 years
  • Available up to 80% Loan-to-Value
  • Maximum rate increase/decrease of 1% thereafter (rate based on 1 year Constant Maturity Treasury + 2.75%)
  • Interest may be 100% tax deductible (Consult your tax advisor)

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Land Loans 

Available up to 80% Loan-to-Value.

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Swing Bridge Loans

Available up to 90% Loan-to-Value to help get you from house to house.

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Have questions?

Contact one of our Home Loan Originators via email at lndng@sb1fcu.org.

1.95% APR* Home Equity Line-of-Credit (HELOC) 12-month introductory rate
Dream vacations, new car, tuition, etc. Whatever you're in the market for' "it's on the house"