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  • Home Equity Loan

Home Equity Line of Credit (HELOC): Benefits
Home Equity Line of Credit is rated 4.674858223062381 out of 5 by 529.
  • 2016-08-28T09:53CST
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Rated 4 out of 5 by from User friendly Everything is very easy to understand and easy to use
Date published: 2016-08-24
Rated 5 out of 5 by from Loan What an amazing experience. Friendly service and very professional staff. If I ever need another loan it will definitely be with Wendy & Maria at the Enterprise branch.
Date published: 2016-08-19
Rated 5 out of 5 by from Thank you SCCU My husband and I are very happy with the recent loan we took with SCCU. The rates were lower than any of the competing banks in the area. They assisted us every step of the way. Thankyou to the manager and tellers. In addition, Pam went out of her way to help.
Date published: 2016-08-09
Rated 5 out of 5 by from Great Customer Service I applied for a HELOC and Carrie was the best! I would give her six stars, she kept me informed every stage of the loan and even called on my cell phone once the loan was approved and funded. Even when I had trouble submitting this review, Carrie came to rescue. Carrie is an outstanding employee.
Date published: 2016-08-08
Rated 5 out of 5 by from Great Service I used Space Coast for an equity line of credit to consolidate bills, and pay a lower interest than I was currently paying. The process was easy, and done in a shorter time than most of the other banks I have dealt with in the past. The service I received from Diana my loan processor went over and above what other banks do. She personally resolved a problem that another bank created,and refused to fix. As a result I closed my account with the other bank, and I will give my business to Space Coast.
Date published: 2016-07-28
Rated 5 out of 5 by from Fast Fast application Fast approval
Date published: 2016-07-21
Rated 5 out of 5 by from Best Customer Care! Unfortunately it was time for a new roof, The manner in which the loan team handled my account is truly remarkable. Thanks to Rafael, James, and Maria I was able to get a line of credit in record time with the best interest rate ever!
Date published: 2016-07-20
Rated 2 out of 5 by from Good Product, Long Process The product is straight forward and processor was sharp. Loan officer is nonexistent throughout the process. For a heloc which should be more streamlined its a long drawn out process. 50% LTV on a home thats paid-off and spotless credit should not take longer than 2 weeks. If you're going for a heloc over 99k get ready for a long ride.
Date published: 2016-07-19
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  • 4.67/5
Read all 529 reviews

A home equity line of credit (HELOC) from Space Coast Credit Union is a good choice if you need money periodically or want to have money on hand for emergency preparedness funds. A HELOC gives you the flexibility to borrow what you need, when you need it.

  • Flexible - Take the option of receiving cash in one sum, or access your account at any time for any type of expense, like home remodeling projects or college tuition.
  • Convenient - Low initial draw requirements mean you can access your account only when you need the funds. Our typical revolving line of credit doesn’t require you to draw a large amount on your line. $5,000 or more available with terms of 7-year draw and 7-year repayment period, plus other terms and rates are available.
  • Affordable – Low credit rates with no intangible tax, no points or origination fees, and no hidden fees.


Call Express Sales or apply online today.

Brevard: 321-752-2222 option 3
Broward: 954-704-5000 option 3
Miami-Dade: 305-882-5000 option 3
All Other Areas: 800-447-7228 option 3

All SCCU Home Equity Loans Feature


Important disclosures, payments, assumptions, and APR information
*APR = Annual Percentage Rate. Rates are subject to change without notice.
1Special Introductory HELOC Rate valid for 12 months.  Thereafter, the Home Equity Lines of Credit will have a Variable Rate. Click here for more details.
  • 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.

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Member Rewards

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.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.