Silver State Schools Credit Union
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Home Equity Loans

Home Equity Loans

Silver State Schools Credit Union home equity loans and lines of credit are a great way to access the equity in your home.

Home Equity Loan

Perfect for that 'big-ticket' item that requires a one-time lump sum payment such as remodeling a kitchen or bath, or consolidating your debts into one easy payment.

  • Fixed terms up to 20 years
  • Fixed rates
  • Up to 80% loan-to-value financing
  • Borrow $3,500 to $250,000 of your available equity
  • Up to 100% tax deductible interest (consult your tax advisor for details)
  • No pre-payment penalties
  • This loan is eligible for a 5% Cash Back Interest Rebate

Home Equity Line of Credit

Borrow the funds as you need them for home repairs, to pay for your child's education expenses, or to take a vacation. The line of credit replenishes as you repay the funds and the money becomes available to borrow again.

  • Draw funds for the first 10 years
  • Easy access to funds
  • Up to 80% loan-to-value financing
  • Borrow $10,000 to $250,000 of your available equity
  • Up to 100% tax deductible interest (consult your tax advisor for details)
  • No pre-payment penalties

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Loan Rates

Home Equity Loans

Loan AmountTermsAPR* Range
$3,500 to $250,00060 to 120 months5.49% - 13.99%
$3,500 to $250,000144 to 240 months6.49% - 15.49%
Note: Up to 80% loan-to-value financing. Actual rate depends on relationship with SSSCU, credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

Home Equity Lines of Credit

Loan AmountTermsAPR* Range
$10,000 to $250,00010 year draw4.00% - 18.00%
Note: 10 year draw and then 10 year amortization. Rate is based on Prime plus a margin with a 4% floor and 18% cap. Actual rate depends on relationship with SSSCU, credit score, term, and amount of loan. All loans subject to credit approval, verification, and collateral evaluation.

*Annual Percentage Rate

Post-Master's Certification Loan 2
Home & Equity Loans 4
American Share Insurance
Equal Housing Lender