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Fixed Rate Home Equity Loans |
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Overall member rating avg. 4.58  out of 33 member reviews |
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A fixed rate home equity loan might be the best fit if you plan to use the money in a lump sum for a one-time event such as consolidating your credit card debt, replacing the roof, or paying for a wedding or trip of a lifetime. The interest rate and monthly payments are fixed so you can budget accordingly.
BEST CHOICE IF
- You plan to use the money in one lump sum
- You need your monthly payments to remain fixed over the life of the loan
- You want to defer your payment for up to 90 days**
ADVANTAGES
- Reliability - principal and interest payments remain the same, so there is no risk that changing market conditions will increase the monthly payments
- Flexibility - make additional principal payments as desired with no prepayment penalties
- Rates as low as 6.99% APR*
- Low or no closing cost options
- No application fee
- Phone application available 24 hours, 7 days a week
- Fast approvals (most in less than 10 minutes)
- Your credit history is only accessed by SCCU
- One statement for all your accounts
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Ease |
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4.79 |
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Responsiveness |
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4.67 |
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Rate |
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4.18 |
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Time |
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4.61 |
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Recommend SCCU |
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4.45 |
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(Out of 33 member reviews)
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Standard - Our standard fixed rate home equity loans are offered with a number of terms and rates. Minimum loan amount is $5,000 with terms of up to 20 years. Other terms and multiple rates available.
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Pool/Home Improvement Loans – This type of home equity loan is granted based on the value of your home after the renovations or improvements are complete, allowing you to get the amount you need to make the improvements you want.
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No Closing Cost – Our TRUE No Closing Cost Home Equity Loan features no hidden fees and no crazy disclosures that result in significantly higher payments.
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*APR is Annual Percentage Rate. Rate current at time of printing and subject to change. Your interest rate will be based on the available equity in your home, the amount of your loan, your credit history, and product chosen. Other programs, rates, and terms may be available. Approval subject to our usual credit criteria and clear title.
**Optional. Interest accrues from date of contract. Qualified borrowers only.
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