IMPORTANT FRAUD ALERT I We have been made aware of fraudulent calls and text messages impersonating Sun East employees and appearing to have come from our phone number. Please be advised that Sun East will NEVER call or text asking for any portion of your Credit or Debit Card Number, PIN, or any other personal identification information. If you receive a suspicious call or text claiming to be from Sun East, please contact us directly at 610-485-2960. /// HIGH CALL VOLUME | We recognize the current high call volume. Account access is available through Online and Mobile Banking, at any Sun East ATM, and through SUNNY, the 24-hour Bank By Phone System, at 610-485-6800. Features such as eStatements, Auto Payment Transfer, Loan Pay, and Bill Pay can help with timeliness and convenience. If you are calling about an application for a Certificate, please allow a minimum of five (5) business days to process your application. Our Member Service Representatives are working quickly to assist members. We appreciate your cooperation and patience as hold times may vary.

Home Equity Loans & Lines

A Sun East Home Equity Loan has a fixed rate and allows you to turn the equity you’ve built up in your home into cash! The funds are disbursed in one lump-sum with payments based on budget-friendly rates and flexible terms up to 20 years.

A Sun East Home Equity Line of Credit has a six-month, low introductory rate and a go-to variable rate that allows you to use the equity in your home on an as-needed basis. You can draw on the line, much like a credit card, at your own pace.

Learn more: What you should know about Home Equity Lines of Credit

Choose the Home Equity option that’s right for you!

Graphic displaying home equity loan and line of credit information

Apply Now on Sun East
Explore Benefits
See Rates
Calculate HELOC

Home Equity Line of Credit

Home Equity Loan (HELo)

Lump sum distribution
Fees waived up to $240¹
LTV up to 90%
Terms up to 20 years
Interest may be tax deductible

Home Equity Line of Credit (HELOC)

Draw on the line at your discretion
1.99% APR³ introductory fixed rate for the first 6 months
Fees waived up to $240¹
Variable rate of interest
LTV up to 90%
Terms up to 20 years
Interest may be tax deductible
Unlimited number of draws

Apply Now on Sun East

Offering Competitive Rates for Loans, Savings, Home Loans & More.

New and Used Auto Loanas low as: 4.74% APR* See More Rates

Home Equity Term Loanas low as: 4.74% APR* See More Rates

Rewards Credit Cardas low as: Intro 0% APR* See More Rates

Personal Loanas low as: 8.74% APR* See More Rates

*APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member’s creditworthiness as well as other factors including term of the loan, line requested and loan-to-value ratio. Top tier rates listed are available to highly credit-qualified individuals.

¹$0 fees, with no prepayment penalties, is capped at $240.00 maximum cost. Other associated closing costs can vary based on municipality, county, or state of subject property, and will be the responsibility of the applicant(s).

²APR = Annual Percentage Rate; subject to change without notice. APR includes .25% discount for Automatic Payment Transfer from Sun East checking. Loan rates are determined by member’s creditworthiness as well as other factors including term of the loan, and lien position. Top tier rates listed are available to highly credit-quailed individuals.

³APR = Annual Percentage Rate; effective 08/08/22 and subject to change without notice. 1.99% APR intro rate for six months; after intro period, APR as low as 5.00%. Loan rates are determined by member’s creditworthiness as well as other factors including term of the loan, and lien position. Top tier rates listed are available to highly credit-qualified individuals.

⁴Conditions and restrictions may apply; consult Tax Advisor for eligibility details.

Sun East Federal Credit Union provides its members with affordable home financing options in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act, and required state and federal guidelines. Sun East Federal Credit Union, NMLS#433893, is an equal opportunity lender. Limited time offer. All rates/terms subject to change without notice; other terms and conditions may apply. Call 877-5-SUNEAST x751 for details.