Please choose whether this site may use cookies or related technologies as described below.
Required Cookies Required to enable core site functionality and provide secure log-in for online banking.
Functional Cookies Necessary to provide a full visitor experience, including live chat.
Marketing Cookies Allows us to analyze site usage to improve performance and serve ads on third party advertisers that are relevant to your interest.
Save My Preferences
Learn more about how this site uses cookies by reading our Privacy Statement.
At SAFE Credit Union we don't answer to shareholders, we answer to members. We answer to you. We sincerely hope you'll give us the opportunity to put YOU first.
What are you saving for? Whether it's a new car, a house, a dream vacation, or just saving for a rainy day, SAFE has a savings solution to help you reach your financial goals.
At SAFE we understand that borrowing money is often essential to making dreams a reality. Our professional experts are here to help - so let's get started. .
View balances, transfer money between your accounts, make a deposit, and much more. You get 24/7 access to your accounts from home, work, or anywhere in the world.
IOS App Rating/Android App Rating 4.8
Empower your future. Take advantage of our useful webinars to improve your financial well-being.
SAFE offers everything you need to manage your growing business, including full-service checking and savings accounts. Start your application online today.
Learn more about SAFE's Business Banking accounts, loans, and services directly from one of our experts.
Our advisors have the tools and experience to help you evaluate your situation and adapt your investment plan, when necessary, as your financial situation evolves.
SAFE Credit Union awards grants and scholarships. Learn how you can apply or nominated someone.
Log in and go to Member Benefits to see exclusive member pre-sales, discounts and more!
Learn how adding our suite of financial health services to your employee benefits package can help you solidify your position as an employer of choice.
Equity Loans
Your home, inspired by you.
Your home’s equity can be a powerful financial tool. SAFE’s Home Equity Line of Credit (HELOC) and Home Equity Loan offer competitive rates and flexible borrowing options, helping you fund home improvements, major purchases, or even consolidate debt. Since these are secured loans, they typically offer lower rates than personal loans and won’t affect your primary mortgage rate. While both options tap into your home’s equity, they work in different ways. Understanding the differences can help you choose the right fit for your needs.
Intro rate as low as APR for six months
Variable rate as low as APR thereafter1
A HELOC offers you the freedom to tap into your home’s equity whenever you need it—think of it as a credit card with lower rates and more flexibility. During the draw period, you can borrow as needed up to your approved limit, and you’ll make monthly payments that include both principal and interest on the amount you use. When the draw period ends, you’ll continue making payments until the balance is paid off.
Apply Now
Calculate your possible HELOC amount
View rates
Rates as low as APR
A Home Equity Loan provides you with a lump sum of money upfront, which you repay in fixed monthly installments over the life of the loan. With a fixed interest rate, your payments are predictable and remain the same for the duration of the loan term. This option offers consistency, providing a clear, structured repayment plan.
Calculate your possible home equity amount
Finance home upgrades, on your terms.
Access funds when you need them.
Adapt to life’s changes.
One lump sum for big plans.
Consolidate debt and save.
Predictable monthly payments.
Home equity is the present value of your home, minus what you owe on your mortgage. Industry standard requires 20% or more equity to borrow for an equity loan. If you have paid off 20% of your mortgage or if homes in your area have been selling for higher than asking, then you are likely in a good position to have enough equity.
A secured loan is a loan that is protected by collateral. In this case, your home will act as the asset that will be used to back the loan.
A fixed interest rate is a rate that will not change over the term of the loan. A variable interest rate is a rate that moves up and down periodically with the market.
A line of credit is the amount of credit extended to you, the borrower, by the lender. The total credit amount is available to you, but it’s not required that you use the entire line of credit. You can take out money against the line of credit, make payments, and then take out money again.
A draw period is the duration of time you can withdraw funds from your line of credit as long as you make payments. A repayment period comes after the draw period ends.
If you click "continue" below, you will be directed to a third party's web site. As a member service, SAFE Credit Union offers links to web sites of third parties whose products or services we believe offer good value and may be of interest to you. In some cases, if allowed by law, SAFE Credit Union may receive compensation from third parties whose products or services you purchase. Third parties are solely responsible for their web sites, products and services, and maintain their own consumer data privacy policies, which may differ from those of SAFE Credit Union. Use of third party services, products and web sites is solely at your discretion. To go to a third party web site, click "continue." To go back to SAFE Credit Union's web site, click "close."
Not enrolled? Get Started!
Open a SAFE business account