Member Notice: The SC Telco Mortgage Department is currently experiencing high call volumes. Please allow up to 72 hours for a mortgage specialist to return your call. If you are in need of payment assistance, please click here. Thank you for your patience during this time. It is an honor to serve you.


Get the Most Out of Your Equity

We offer our members the best rates on home equity loans and an easy approval process. Plus, we don’t charge you a loan origination fee* and we cover up to $500 of closing costs, so you don’t have to pay as much to access your equity. Tackle that home renovation project you’ve been wanting to complete for years, build an addition to add value to your home, or get out of high-interest debt with a convenient, low-interest home equity loan. Visit a specialist at your local branch in Greenville, Spartanburg, Taylors, Columbia, or Easley to get started.

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*Home Equity Lines of Credit (HELOC) are issued at an adjustable rate that may range from 5% to 15% APR. Closing costs in SC Telco’s lending area of SC, NC, & GA on loans for less than $150,000 range from $360 to $2,000. Loans of $150,000 or more would require title insurance in addition to the prior closing fees stated. Contact your real estate attorney for title insurance rates applicable to you. Property insurance is required and not included in the closing costs. SC Telco will pay up to $500 in closing fees in most cases. Our minimum loan amount is $7,500 and minimum payment amount for a credit line with a balance is $100.00. Rates, terms, and conditions are subject to change without notice. Loan approval is subject to creditworthiness and sufficient collateral. Membership required.

SC Telco is not for profit; we’re for service.