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Home Equity Line of Credit

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SAFCU Home Equity at a Glance

Second Trust Deed

SAFCU's Home Equity Loan lets you borrow the money you need at a rate lower than most consumer loans including credit cards, personal loans and retail charge cards. In addition, interest paid on a Second Trust Deed may provide valuable tax deductions. Add it all up and our Second Trust Deed is the smart way to borrow.


  • Borrow up to 80% of the value of your property

  • Terms of 15 to 20 years

  • Interest may be tax-deductible

  • Low fixed rates and payments




Home Equity Line of Credit

SAFCU's Home Equity Line of Credit (HELOC) is the flexible way to access the equity in your home. Once you are approved, you can draw from a revolving line of credit. You only pay interest on the money you draw. As you pay it back, it becomes available again to borrow when you need a low-rate loan. Similar to our Second Trust Deed, interest paid on a HELOC may provide valuable tax deductions.

  • Borrow up to 80% of the appraised value of your property

  • Interest may be tax-deductible

  • Easy cash access

  • 25 year term with draw period over first 10 years



Prime rate is 8.00% as of 


To apply for a SAFCU Home Equity Line of Credit or Second Trust Deed: 

Call (866) 936-0585 or visit our branch or click the button below.

To apply for a loan, you can also call (800) 541-2546 or visit our office.  

Speak to your tax advisor for details.


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