Home Equity Line of Credit hero
Home > Personal-Banking > Mortgages > Home Equity Lines of Credit

Home Equity Lines of Credit

Apply now button
Are you looking to complete that home improvement project, pay educational expenses or consolidate some high interest debt? With a home equity line of credit from South Carolina Federal, you can meet your financing needs. We offer great rates, flexible payment options, and much more.

With a home equity line of credit, you make payments only on the portion of your line that you use. Once you repay the line, the funds become available for your use once again. And the interest you pay using your line may be tax deductible, consult your tax advisor. You can also use your home equity line of credit as overdraft protection for your South Carolina Federal checking account.

  • Low application and closing fees
  • No pre-payment penalty
  • Everyday low variable rates
  • Payment depends on amount of line used

Ready To Apply?

South Carolina Federal offers the help of a personal mortgage loan officer for all of our mortgage services. Use the tool below to choose a branch nearest you and get in touch with your local mortgage loan officer.

For all other mortgage inquiries, please contact us.

Not A Member?

If you’re not currently a member of South Carolina Federal Credit Union, you can still apply for a HELOC and qualify for membership. Want to learn more about joining the credit union? Learn more

Helpful Resources


Online Banking Enrollment

Enrolling in Online Banking is simple and FREE:

  1. Enter your User ID
  2. Enter Phone Banking PIN as your Password
  3. Click on the LOG IN button

If you don't know your Phone Banking PIN, please contact us at 843.797.8300 (Charleston) or 800.845.0432 (Nationwide).