Leverage your home's equity to unlock your financial future
Start your journey with a competitive Home Equity Line of Credit (HELOC)
Why Choose SIUCU for Your HELOC
Competitive rates
Flexible borrowing limits tailored to your needs
No hidden fees with transparent terms
Exclusive member benefits and personalized service
Unlock the Potential of Your Home
Financing for Multiple Purposes
Home renovations, education, or personal projects
Tax-Deductible Interest
Interest may be tax-deductible (consult your tax advisor for more information)
No Annual Fees
No annual fees for active accounts
Flexible Access
Easy access with flexible payment options
Find out how much you can borrow
Use our interactive calculator below to estimate your borrowing power and monthly payments.
View rates
Monthly Payment
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1
Calculate and Apply
Estimate your needs and start your application online.
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2
Approval and Agreement
Get pre-approved and sign your agreement.
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3
Access Your Funds
Use your HELOC as needed with flexible access.
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A HELOC is a flexible, revolving line of credit based on your home’s market value minus your mortgage balance. It allows you to borrow funds as needed within a given time frame.
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Qualifying criteria include a decent credit score, sufficient home equity, and a stable income. Our advisors can guide you through the specifics.
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Interest on a HELOC may be tax-deductible if funds are used for significant home improvements (consult a tax advisor for details).
Rates
| Type | Term | APR* |
|---|---|---|
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Home Equity Line of Credit (HELOC) - Variable |
Revolving |
|
Rates effective as of: April 24, 2025
*Annual Percentage Rate (APR)
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Rates effective as of: April 24, 2025
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Open Account
Download the App
For on-the-go transactions, download our mobile app. Pay bills, deposit checks, and more.
Business Free Checking
This account is perfect for startups, home offices, and businesses with smaller transactions and balances.
Here are some of the best features:
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No monthly service fee
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No minimum balance
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Only $25 to Open
How to Make a Transfer
Bailey Bobcat Rates
Bailey Bobcat Savings
• Only $5 to Open
• No Minimum Balance
• Up to 0.50% APY1
• Dividends Paid Monthly2
• One Free Withdrawal per Month
$5 for Each Additional
1 Annual Percentage Yield (APY)
2 Membership Share dividends are declared monthly by the Board of Directors.
Jr. Executive
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Smart Young Investors
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Bailey Bobcat
What do you need to open?
- $5
- Date of Birth
- Current Address
- Social Security Card
- If under 18, a Parent/Guardian
If Parent/Guardian is not an existing member, they will need to bring:
- $5
- Date of Birth
- Current Address
- Social Security Card
- Driver’s License / State Issued Photo ID
Jr. Executive Rates
Bailey Bobcat Rates
Smart Young Investors Rates
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