Home Equity Loans

Scient’s Home Equity Loan lets you tackle your to-do list using the equity in your home.

If you own a home, you might have access to the funds you need to take on your big ideas! When you take out a Home Equity Loan, you’ll get the funds you need form the home you already own at 3.75% APR* fixed for 10 years. 

  • $10,000 Minimum Loan Amount
  • No Pre-payment Penalty
  • Fixed Monthly Payments
*APR = Annual Percentage Rate. Promotional rate for qualifying members with a credit score of 680 or above. APR may be higher due to per diem interest. For example, a $10,000, 10-year fixed loan at 3.75% will have a principal and interest payment of $100.06 and APR of 3.79% (assuming 20 days of interest at $1.0417/day = $20.84 of per diem interest). The promotional rates are good October 16 – December 1, 2017, online or in person. Up to 80% LTV/CLTV for qualified loan. $250,000 maximum loan amount. Primary Residence only. All loans are subject to credit approval. Your overall creditworthiness may determine the interest rate available to you. Fees and charges may apply. Rates, terms and conditions are subject to change. See credit union for further details.

Unlike our Home Equity Line of Credit, our Home Equity Loan provides a one-time payout with predictable fixed payments.

  • Minimum loan amount of $10,000
  • No Pre-Payment Penalty
  • Variety of terms available
  • Receive the full loan amount at once
  • Fixed monthly payments for the life of the loan
  • Can be used for debt consolidation, home improvements, education, or any other consumer purpose
  • Learn more about Home Equity Loans


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*APR = Annual Percentage Rate. See credit union for further details.

You and Your Credit
Knowing where your credit stands is a great first step when applying for any loan. Request your free annual credit report using the link below. Looking to improve your credit or need some financial guidance? Check out our resources by clicking on Financial Wellness.

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