Home Equity Loans
Put your equity to work for you
Your home is probably the largest purchase you'll make in your lifetime, and you've worked hard to increase the equity in that investment. Put that equity to work for you when you need it! Our members use Home Equity Loans to fund home improvement projects, consolidate and pay off bills, pay for larger purchases like college or weddings — or to just have access to money for emergencies. Our flexible Home Equity loan options give you the ability to choose the funds you need, when you need them. Plus, with No Closing Costs17 on most equity loans, we make it easy to get fast access to that cash!
- No Closing Costs17
- No Hidden Terms or Fees
- Fast Pre-qualification Decisions, Online or Over the Phone
- No Intangible Tax21
- SCCU Member Service for the Life of the Loan
- No Pre-payment Penalties
Cash in on your home's equity for recurring purchases or emergencies.
Our Fixed Rate Home Equity Loan, also known as a Second Mortgage, lets you put the equity you’ve earned in your home to work for you.
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Home Equity Line of Credit
Cash in on your home's equity for recurring purchases or emergencies.
Apply Now
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Fixed-Rate Home Equity Loan (2nd Mortgage)
Our Fixed Rate Home Equity Loan, also known as a Second Mortgage, lets you put the equity you’ve earned in your home to work for you.
Apply Now
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| Terms |
Terms
7/7 or 10/10 (See "View All Footnotes" under Rates below) |
Terms
Up to 20 Years |
| Application Fees |
Application Fees
None |
Application Fees
None |
| Pre-payment Penalties |
Pre-payment Penalties
None |
Pre-payment Penalties
None |
| Origination Fee |
Origination Fee
None |
Origination Fee
None |
| Intangible Tax |
Intangible Tax
N/A
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Intangible Tax
None |
| Apply Now | Apply Now |
Frequently Asked Questions
Yes! Our flexible Home Equity loan options give you the ability to choose the funds you need, when you need them. Learn more.
Pay Your Home Loan in SCCU Online Banking: It's easy! Sign up for automatic payments or make a manual payment from your SCCU savings or checking account in Online Banking. You can also make a payment from an account at another financial institution.
Mobile Wallet Loan Payments: Add your SCCU Home Loan to your Apple Wallet app or Google Pay app (GPay), and make one-time loan payments securely and conveniently through your mobile wallet.
By Phone: Use Call-24 Bank by Phone Access (must have a Call-24 PIN) or speak with one of our Member Service Center representatives.
To set up a Call-24 PIN visit your local branch or speak with one of our Member Service Center representatives at the number above.
Or you can speak with one of our Member Service Center representatives.
In the Branch: Find your local branch location.
By Mail
8045 N. Wickham Rd.
Melbourne, FL 32941
Acceptable Forms of Payment Include:
- Check (Personal, Business, On-Us, Teller Check, Money Order)
- Debit Card
- Cash and/or Transfer from SCCU Account
Refinancing your current home loan—whether from SCCU or another lender— is quick and easy! You can apply online or over the phone with a Team Member.
Please visit our Mortgage Refinance page for information on refinance loans and options.
If your loan payment has been assessed a late fee, online payment access is disabled. To restore this access, your scheduled payment and late fee must be processed by an SCCU Team Member.
Please call our Member Service Center or visit your local SCCU branch for assistance.