Home Equity & Home Improvement Loans
What is Home Equity?
Home equity represents the difference between your home's market value and the remaining balance on your mortgage. Tap into the equity you've built to fund home renovations, support your growing family, cover educational expenses, or consolidate debt. Whatever your goals may be, SRCFCU is here to provide flexible solutions tailored to your needs.
Current Rates
Rates effective June 30, 2025
| Loan Type | Approximate Term | APR* (As Low As) |
|---|---|---|
| Home Equity/Home Improvement | Up to 60 Months | 6.74% |
| Home Equity/Home Improvement | Up to 120 Months | 6.99% |
| Home Equity/Home Improvement | Up to 180 Months | 7.24% |
| Home Equity/Home Improvement | Up to 240 Months | 7.49% |
Mortgage Refinance Loans
Take advantage of a First Mortgage Refinance Loan and lower your interest rate to reduce your monthly payments and save on interest over the life of your loan!
Benefits Include:
Shortening Your Loan Term: Pay off your mortgage faster and save on total interest.
Switching Loan Types: Move from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for more predictable payments.
Accessing Home Equity: Take cash out for major expenses like home improvements, debt consolidation, or education.
current rates
Rates effective June 30, 2025
| Loan Type | Approximate Term | APR* (As Low As) |
|---|---|---|
| First Mortgage Refinance | Up to 60 Months | 6.49% |
| First Mortgage Refinance | Up to 120 Months | 6.74% |
| First Mortgage Refinance | Up to 180 Months | 6.99% |
How to Apply
Contact Our Team
Reach out to our dedicated Lending Team today to help you get customized quotes, competitive rates, and expert guidance for all of your Home Loan needs.
complete the application and bring it by one of our branches
Disclaimer
Standard credit qualifications and other terms and conditions apply. Loans are subject to credit approval. Call (850) 626-8916 for credit costs and terms.
NMLS#416274