CLOSED FOR MARTIN LUTHER KING, JR. DAY - All Sun East branches and facilities will be closed on Monday, January 18, in observance of Martin Luther King, Jr. Day. 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. /// INSTANT-PRINT CARD AVAILABILITY - On Tuesday, January 19, the Instant-Print card system will undergo scheduled maintenance. During that time, Instant-Print cards will be unavailable at any Sun East branch or facility. Your patience is appreciated as we continue to ensure the quality and security of Instant-Print cards. /// USPS DELAYS and HIGH CALL VOLUME - We recognize that USPS delivery delays may be causing statements and payments to spend additional time in transit. Please be mindful of USPS delays when mailing payments; and remember, 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, while reducing paper and postage expenses. Our Member Service Representatives are working quickly to assist members in light of USPS delays; we appreciate your cooperation and patience as hold times may vary.

Home Equity Loans & Lines

The Sun East Home Equity Term Loans have a fixed-rate and allow borrowers to use the equity in their home as collateral. The loan is disbursed in one lump-sum with payments based on competitive rates and flexible terms.

The Sun East Home Equity Line of Credit has a variable rate and allows borrowers to use the equity in their home as collateral. The borrowers can draw on the line, much like a credit card, at their discretion.

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

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Home Equity Line of Credit

Home Equity Loan (HELo)

Fixed rate of interest
LTV up to 90%
Lump sum distribution
Terms up to 20 years
Interest may be tax deductible

Home Equity Line of Credit (HELOC)

1.99% APR^{1.99% APR Introductory Fixed Rate HELOC
Annual Percentage Rate (APR) as of 04/13/2020. This is a limited time offer. Home Equity Line of Credit is a variable rate product with rates as low as Prime minus .50%. Prime is 3.25% as of 04/13/2020 and is subject to change without notice. Rate after the introductory 6 month period cannot go below 3.25% APR (floor) and cannot exceed 18.00% APR (ceiling). Minimum loan amount is $10,000. Rate for highly qualified individuals based on loan to value up to 90% and term up to 20 years with a withdrawal period of 10 years. Loan rates are determined by each member’s overall credit history and loan to value ratio. Applicant(s) subject to income verification. Property must be owner occupied, single family home located in Delaware, Maryland, New Jersey or Pennsylvania. Property insurance required. Sun East charges a $100 loan satisfaction fee. Offer can not be used to refinance existing Sun East home equity loans or lines of credit. Closing costs range from $240 and up.} introductory fixed rate for the first 6 months
Variable rate of interest
LTV up to 90%
Draw on the line at your discretion
Terms up to 20 years
Interest may be tax deductible
Unlimited number of draws

Home Equity Loans & Lines

Home Equity Loan (HELo)

Home Equity Line of Credit (HELOC)

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