Use your home's equity to build the blueprints of your life.
Use the equity in your home for home improvements, college education, debt consolidation, or any major purchase. SafeAmerica makes it easy with low rates, no closing costs and low payments.
A home equity line like non other:
- Low APR1
- No closing costs*
- No annual fee / no points
- Borrow up to 80% of your home's value
- Interest-only payments for the initial 10-year draw period, followed by 15 years of amortized payments
- Receive a yearly cash bonus up to $100 with our MoveUP Rewards program
Apply today!
Get more from your credit union. Let us help you realize the dream you always wanted.
Before you begin the application process, please be sure to read the cover letter for important documentation to have ready. You can speed things up by gathering this necessary information before you begin.
1Quoted APR (Annual Percentage Rate) is variable and is based on the Prime Rate plus the applicable margin, may adjust monthly and is subject to change; is best available; rate may be higher depending on factor such as credit history and amount financed. Rates for approved applicants will be disclosed in writing before applicant becomes obligated. All loans require SafeAmerica Credit Union membership in good standing and are subject to credit approval. Interest may be tax deductible, consult a tax advisor. Equal housing lender. Adequate property insurance required for the life of the loan. Flood insurance may be required. Other restrictions may apply.
*There are no closing costs for an equity line of credit up to $100,000, unless an appraisal is required. For limits over $100,000 up to $250,000, closing costs are $500 plus the cost of the appraisal, if required. Second mortgage loans and HELOCs available for up to the lesser of 80% of appraised value or $400,000 on owner occupied primary residence only in California. No processing fee on loans or limits to $100,000. Processing fee on limits of $100,001 - $250,000 is $500. Maximum lifetime variable HELOC APR is 18%. No annual HELOC fee. If appraisal is required, member will be required to pay full cost of appraisal, in advance.
Home Equity Line of Credit
- Low APR1
- No closing costs*
- No annual fee
- No points