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Say Hello to a HELOC

They say home is where the heart is ­– it may be where the smart borrowing is, too! If you've lived in your home for many years, you may have equity built up that can help you finance large purchases or ongoing expenses, or consolidate debt.

A home equity line of credit (HELOC) works much the same as a credit card in that you have a revolving amount to borrow against. As you pay back what you borrow, the line becomes available for you to use again. HELOCs are attractive for many homeowners because interest rates are typically lower than other loans, and the interest paid is usually tax-deductible.*

HELOCs are a popular choice for financing home improvements, but they can also be a smart option for:

  • College tuition
  • Medical expenses
  • Consolidating high-interest credit card debt
Having a line of credit that's easily accessible can also be a lifesaver if you need funds quickly when emergency savings aren't enough.

Because a HELOC is secured by your home's value, you'll want to keep your borrowing amount in check. Inability to repay could result in losing your home. An SCCU Express Sales Representative will work with you to determine a loan limit that is appropriate for your needs and budget.

Contact SCCU today to see if your home is where the smart borrowing is!

* Check with your tax advisor regarding tax deductibility in your situation.

  • SCCU Routing Number: 263177903

Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

Space Coast Credit Union (SCCU) © 2015



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Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
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Learn more about the Member Rewards program.