Home Equity Line of Credit

There is money in your home!

For a limited time, you can get a rate as low as 3.99% APR* when you’re approved for a Home Equity Line of Credit! Draw at least $10,000 at closing over 18 months and take on your to-do list the stress-free way. From home improvements to higher education, a Home Equity Line of Credit can help make your dreams a reality. Apply today and enjoy:

  • No Closing Costs†
  • No Annual Fee
  • Minimum Payments – Interest-only during draw period
  • Revolving Credit Limit based on available equity in your home
  • Draw funds as needed, typically by check
  • No Pre-payment Penalty
  • Variable interest rate based on Prime Rate
  • Up to 100% total loan-to-value
  • Minimum loan amount $10,000

Ready to get started?

Apply Now


*APR = Annual Percentage Rate. 10-year draw period. Promotional rate is good online or in person for qualifying members with a credit score of 680 or above. Promotional rate will apply for 18 months from loan opening date. After that period, rate will increase to current rate of as low as Prime Rate minus 0.50% OR floor of 3.00%, whichever is greater. After promotional period, rate will never go below 3.00% and will never go above 18.00%. Current Prime Rate is 5.50% as of December 20, 2018. Primary Residences only. Up to 80% Total Loan-to-Value for qualified loan. $250,000 maximum. All loans are subject to credit approval. Your overall creditworthiness may determine interest rate available to you. Offer valid February 1 – March 31, 2019. † Fees and charges may apply.

On February 17, Online Banking may be unavailable from 2:00am - 6:00am EST due to scheduled maintenance. On Monday, February 18, Scient Service Centers will be closed for Presidents' Day.