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Home Equity Loans at Suncoast

Save money with low-rate home equity loans. Get the funds you need for whatever you need.

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Let Your Home Love You Back

Select an option below to find an equity loan with:

Home Equity Lines of Credit

A revolving credit line to pay for large expenses, debt consolidation and more.

Get up to $1,000 for Closing Costs.^ Draw Period 10 Years.View Home Equity Lines of Credit

Home Equity Loans

Best to pay for large expenses, consolidating debt or home improvements.

Get up to $1,000 for Closing Costs.^ ARM Term Limit 20 Years.View Home Equity Loans

Home Improvement Loans

The best loans to help you with home improvement projects.

Get up to $1,000 for Closing Costs.^ ARM Term Limit 20 Years.View Home Improvement Loans

Benefits of a Suncoast Home Equity Loan

Home Equity Calculator

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Home Equity Loans Rates

¹ Suncoast will contribute up to $1,000 (Closing Costs Benefit) toward your closing costs when you select our fixed or variable rate home equity product loan on your primary residence. Suncoast will not pay closing costs for discount points to obtain a lower rate or monies necessary to establish escrow accounts (taxes and insurance). If the loan is paid in full or the line of credit closed within 25 months of the first payment due date, Suncoast will collect the closing costs paid on your behalf in the payoff. The 25 month term begins with the first payment due date of the loan. Not to be combined with any other offers.

² Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor for the Equity Line of Credit (80% or less HCLTV) or 5.50% for the High LTV (greater than 80%) Equity Line of Credit. The index is the Wall Street Journal Prime Rate.

³ No penalty for early repayment. Other applicable fees may apply. Refer to terms and conditions for more information.

⁴ We offer low interest rates based on individual qualifications. Rates may vary. Contact us for more details.

^^Maximum term for APR shown displayed in months.

Additional Information

Mortgage loans are originated by Suncoast Credit Union and are subject to subject to credit union membership and approval, credit approval, verification, and collateral evaluation. Programs, offers, rates, terms, and conditions are subject to change or cancellation without notice. Certain restrictions apply. ARM Products have an initial period with a fixed rate, then a variable rate that can increase or decrease annually for the rest of the term.

Equity Line of Credit

Competitive interest rates and flexible terms³.
Suncoast pays up to $1,000 toward closing costs. If the home equity loan/line is paid in full or the credit line closed, within the first 25 months from the opening date, Suncoast will collect the closing costs paid on your behalf in the payoff. The loan term begins with the first payment due date of the loan.
Up to 100% loan-to-value available for qualified borrowers.
No Annual or Transaction Fees. Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
Annual Percentage Rate may vary over time.
Adjustable Rate Details: Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor for the Equity Line of Credit (80% or less HCLTV) or 5.50% for the High LTV (greater than 80%) Equity Line of Credit. The index is the Wall Street Journal Prime Rate.
LTV's from 80.01% - 100% may qualify for our High LTV Equity Line of Credit product. Rate will be higher than the standard Equity Line of Credit.
Loans available on primary residences in Florida only with homestead
Typical closing costs range from $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 depending on loan to value and loan amount.

Home Equity 5 Years

Competitive interest rates and flexible terms³.
Suncoast pays up to $1000.00 towards closing costs. If the home equity loan/line is paid in full or the credit line closed, within the first 25 months from the opening date, Suncoast will collect the closing costs paid on your behalf in the payoff. The loan term begins with the first payment due date of the loan.
Up to 100% loan-to-value available for qualified borrowers.
No Annual or Transaction Fees.
Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances available during the first 36 months of the loan term. Not to exceed the original mortgage amount.
LTV's from 80.01% - 100% may qualify for our High LTV (Loan-To-Value) Home Equity product. Rate will be higher than standard Home Equity product.
Loans available on primary residences in Florida only with homestead.
Typical closing costs range from $300 to $1,900. Costs for appraisals and title insurance range from $350 to $4,000 depending on loan to value and loan amount.

Home Equity 10 Years

Competitive interest rates and flexible terms³.
Suncoast pays up to $1000.00 towards closing costs. If the home equity loan/line is paid in full or the credit line closed, within the first 25 months from the opening date, Suncoast will collect the closing costs paid on your behalf in the payoff. The loan term begins with the first payment due date of the loan.
Up to maximum 100% loan-to-value available for qualified borrowers.
No Annual or Transaction Fees.
Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances available during the first 36 months of the loan term. Not to exceed the original mortgage amount.
Loans available on primary residences in Florida only with homestead.
Typical closing costs range from $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 depending on loan to value and loan amount.

Home Equity 15 Years

Competitive interest rates and flexible terms³.
Suncoast pays up to $1000.00 towards closing costs. If the home equity loan/line is paid in full or the credit line closed, within the first 25 months from the opening date, Suncoast will collect the closing costs paid on your behalf in the payoff. The loan term begins with the first payment due date of the loan.
Up to 80% loan-to-value available for qualified borrowers.
No Annual or Transaction Fees.
Interest paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
Fixed Rate Details: Principal and interest payments remain the same throughout the term of your loan. Additional advances available during the first 36 months of the loan term. Not to exceed the original mortgage amount.
LTV's from 80.01% - 100% may qualify for our High LTV (Loan-To-Value) Home Equity product. Rate will be higher than standard Home Equity product.
Loans available on primary residences in Florida only with homestead.
Typical closing costs range from $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 depending on loan to value and loan amount.

Home Equity 20 Years

Competitive interest rates and flexible terms³.
Suncoast pays up to $1,000 toward closing costs. If the home equity loan/line is paid in full or the credit line closed, within the first 25 months from the opening date, Suncoast will collect the closing costs paid on your behalf in the payoff. The loan term begins with the first payment due date of the loan.
Up to 100% loan-to-value available for qualified borrowers.
No Annual or Transaction Fees.
Interest Paid on this product may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
Annual Percentage Rate may vary over time.
Adjustable Rate Details: Adjustable rates are subject to an increase in rate and payment after the loan is closed. The annual percentage rate can change quarterly on the first day of January, April, July and October. The rate cannot increase or decrease more than .50% percentage point at each adjustment. The maximum annual percentage rate shall not exceed 18%. The annual percentage rate will not go below the greater of 4.0%; which is considered the floor for the standard 20 year Home Equity Variable Rate Loan or 5.50% for the High LTV (greater than 80% LTV) 20 year Home Equity Variable Rate Loan. The index is the Wall Street Journal Prime Rate.
LTV's from 80.01% - 100% may qualify for our High LTV 20 year Home Equity Variable Rate Loan product. Rate will be higher than the standard Home Equity Variable Rate Loan product.
Loans available on primary residences in Florida only with homestead
Typical closing costs range from $300 to $1900. Costs for appraisals and title insurance range from $350 to $4,000 depending on loan to value and loan amount.

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