<p><a href="https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&amp;LoanFormId=1045443109282121303&amp;ChannelId=3237804504296170517&amp;LocationId=2930124303177191838&amp;IsFramed=F"><img alt="" width="84" height="24" src="/upload_content/btn_apply1.png" /></a></p><p>If you are thinking about sprucing up your house or buying a new car, consider a home equity line of credit. A home equity line of credit, like a credit card, gives you a predetermined borrowing limit and allows you to access money when you need it. Spokane City Credit Union offers 80% loan-to-value home equity lines of credit. Because of the draw option, credit lines are good for recurring expenses such as college tuition and home improvements.</p><p align="left"><table border="2" cellspacing="1" cellpadding="1" width="620"><tbody><tr><td><div align="center"><strong><font style="background-color: #ffffff" color="#336633">CHOOSE THE HELOC THAT WORKS BEST FOR YOU</font></strong></div></td><td><div align="center"><font style="background-color: #ffffff" color="#336633"><strong>5-YEAR FIXED HELOC**</strong></font></div></td><td><div align="center"><font style="background-color: #ffffff" color="#336633"><strong>CLASSIC SCCU HELOC</strong></font></div></td></tr><tr><td><div>Current APR* (Annual Percentage Rate)</div></td><td><div align="center">as low as 3.99% APR*</div></td><td><div align="center">as low as 5.99% APR*</div></td></tr><tr><td><div>Interest Type</div></td><td><div align="center">Fixed first 5 years/adjustable after</div></td><td><div align="center">Adjustable</div></td></tr><tr><td><div>Maximum Loan to Value Ratio</div></td><td><div align="center">80%</div></td><td><div align="center">80%</div></td></tr><tr><td><div>Minimum Loan/Line</div></td><td><div align="center">$10,000</div></td><td><div align="center">&nbsp;$5,000</div></td></tr><tr><td><div>Maximum Loan Amount</div></td><td><div align="center">&nbsp;$200,000</div></td><td><div align="center">&nbsp;$200,000</div></td></tr><tr><td><div>Maximum Loan Term</div></td><td><div align="center">&nbsp;10 Years</div></td><td><div align="center">&nbsp;15 Years</div></td></tr><tr><td><div>Prepayment Penalty</div></td><td><div align="center">&nbsp;None</div></td><td><div align="center">&nbsp;None</div></td></tr></tbody></table></p><p align="left"><a href="https://www.loanliner.com/LoanRequest/CLPPresenter/GettingStarted.aspx?CUID=14600454&amp;LoanFormId=1045443109282121303&amp;ChannelId=3237804504296170517&amp;LocationId=2930124303177191838&amp;IsFramed=F"><img alt="" width="84" height="24" src="/upload_content/btn_apply1.png" /></a></p><p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;<font size="4">SCCU Members have used their HELOCs to:</font></p><ul><li><div align="left"><font size="2">Consolidate High Interest Debt</font></div></li><li><font size="2">Remodel or repair their home</font></li><li><font size="2">Send their kids to college</font></li><li><div align="left"><font size="2">Take family vacation</font></div></li><li><div align="left"><font size="2">Plan a wedding</font></div></li><li><div align="left"><font size="2">Furnish a Nursery</font></div></li><li><div align="left"><font size="2">Or whatever you need extra cash for</font></div></li></ul><p align="left"><strong><font size="3">Find out what your home can do for you!</font></strong></p><p>&nbsp;</p><p>&nbsp;</p><p align="center">E-Mail a Loan Officer: <a href="mailto:loandepartment@sccu.net">loandepartment@sccu.net</a></p><p align="center">Get an estimate on your payments with our <a href="calculator.php">Loan Calculator</a></p><p>&nbsp;</p><p align="justify">*APR = Annual Percentage Rate. Based on approved credit. Restrictions may apply. Other rates, terms and conditions may apply. Rates may be different as determined by credit history of each applicant.</p><p align="justify">**Floor Rate 3.99% APR. Rate fixed for first five years of loan, then is adjustable every 5 years thereafter. The rate cannot change more than 2% at adjustment. Term of loan is 10 years. Minimum loan amount is $10,000. Max loan-to-value is 80% (including existing lien). First or second lien position.</p><p>&nbsp;</p>