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SFCU offers 100% financing and flexible terms up to 84 months to help keep your payments low.

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Equity Line of Credit

New Day. New Possibilities.

Harness the Equity in Your Home to Fund Your Brightest Ideas.

At Sunrise Family Credit Union, we know that your home is more than just a place to live—it’s the foundation for your family’s future. As you build equity with every mortgage payment, you’re creating a reservoir of opportunity. Whether you’re ready to wake up to a long-awaited home renovation or want to clear a path toward financial freedom by consolidating debt, we’re here to help you bridge the gap. Let the value you’ve built under your own roof illuminate the way to whatever comes next.

Home front porch

So Many Ways to Use Your Equity

  • HOME IMPROVEMENTS: Finally build that deck or remodel the kitchen with our single-purpose options.
  • DEBT CONSOLIDATION: Combine high-interest credit card balances into one low monthly payment to simplify your life.
  • COLLEGE EXPENSES: Fund your or your child’s education without the stress of high-interest student loans.
  • NEW VEHICLE: Use your equity as a smart way to purchase an automobile, furniture, or major appliances.

 

Equity Details

Loan Details

  • Flexible Terms: We offer fixed-rate home equity loans (5 or 10-year terms) and variable-rate HELOCs.
  • High Value Access: 95% loan-to-value.

Rate Details

  • Variable Rate: Adjusted quarterly (February, May, August, and November).
  • Interest Rate Cap: 18.00% maximum APR.
  • Floor Rate: 6.00% minimum APR.
  • No Hidden Fees: Competitive "as low as" rates based on creditworthiness.

 

Line of Credit Access

Access your funds whenever inspiration strikes! Line of credit advances can be made conveniently through:

  • SFCU Mastercard Access: Request a card specifically to access your home equity plan.
  • Telephone Banking & Mobile Banking: Move money with a few taps on your phone.
  • Virtual Branch: Transfer funds online 24/7.
  • In-Person: Stop by our Bay City, Essexville, or Standish offices.

Current Rates

Home Equity Rates Details
Effective Date: Friday, March 13, 2026
DescriptionLoan Term/DetailsAPR (Annual Percentage Rate) based on as low as
Home Equity Line of Credit Variable Rate (6.00% Floor) 6.00%
Fixed Home Equity 5-Year Term Call for Rates
Fixed Home Equity 10-Year Term Call for Rates
 *As low as represents our promotional rate and is subject to credit approval. Not all will qualify for this rate. Appraisal fee may apply. NMLS Number: 469609.