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Sandia Laboratory Federal Credit Union Sandia Laboratory Federal Credit Union Go to main content
Routing #307083911|
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Father and son sitting on the couch in a modern house.

Home Equity CreditLines

Be ready for any need with an SLFCU Home Equity Loan or CreditLine.


CreditLines are a smart way to borrow for unexpected bills or major expenses like home improvements, appliances, debt consolidation, and more. Once approved, you can borrow what you need, pay it back, and borrow again without having to reapply. You'll save with competitive rates and low closing costs.


SLFCU's Home Equity CreditLines do not require you make an initial advance. After you've begun taking advantage of your available credit, any interest you pay may be tax deductible.* Your payment is recalculated with each draw, and you only make payments on the amount you borrow.

  • 20 year term
  • Low closing costs
  • Rates capped for your peace of mind
  • No pre-payment penalty


If you are a real estate investor, our Non-Owner-Occupied Equity CreditLines are an effective way to pay for property repairs, upgrades, or anything else you need. Rather than borrowing one lump sum, you can draw on your CreditLine for each expense. Your payment is recalculated with each draw and you make payments only on the amount you borrow. Jumbo loans are available; ask us for details.

  • 15 year term
  • Low closing costs
  • No pre-payment penalty


Request a Home Equity CreditLine Access Card for a convenient way to draw from your Home Equity or Non-Owner-Occupied CreditLine. Easily withdraw cash from an ATM, purchase smaller items such as materials and tools, or use it for larger expenses such as home renovation, appliances, furniture, and more.

To request a Home Equity CreditLine Access Card for your account, visit any SLFCU branch or call us at 505.293.0500 or 800.947.5328.

*Consult your tax advisor regarding tax deductibility.

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Home Equity CreditLines


Home Equity CreditLine
(Owner Occupied)
As low as 7.75% APR

Home Equity CreditLine
As low as 8.25 APR