Real Estate Loans

South Carolina National Guard FCU offers a wide variety of loans to serve the individual needs of our members. Please contact a loan officer for specific questions so that we may help you determine which loan would benefit you most.

Home Equity Loans

The Home Equity Loan allows members to borrow against their home’s accumulated equity. The Home Equity Loan has a low interest rate that is subject to change semi-annually.

  • No loan-advance fees

  • No annual fees

  • Member can take advances for as little as $500.00

  • Maximum loan term up to 15 years; draw period of 5 years*

  • Residential collateral must be located within South Carolina

Members can establish a credit line for a maximum of 85% of their home’s value (up to $50,000) less any existing first mortgage balance.

Unimproved Property Loans

An unimproved property loan applies to land without buildings or improvements as well as land in its natural state.

  • Fixed interest rate*

  • Maximum loan term up to 12 years*

  • Maximum loan amount will be 75% of the appraised value

*Loan rate and terms based on credit worthiness