Home Equity Loans | Competitive Rates and Flexible Terms

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AS LOW AS

7.148%

apr*

*Annual Percentage Rate

Loan Type	Rate*	Points	APR**	Example Loan	Monthly Payment***	effective date
Variable Rate HELOC (Primary Residence)	7.000% - 9.250%	0.000%	7.085% - 9.348%	$50,000	Interest Only	10/8/2025
Variable Rate HELOC (Second Home)	8.000% - 10.250%	0.000%	8.091% - 10.354%	$50,000	Interest Only	10/8/2025
Variable Rate HELOC (Investment Home)	9.000% - 11.250%	0.000%	9.096% - 11.360%	$50,000	Interest Only	10/8/2025
Fixed Rate Advance (Primary Residence)	7.000% - 9.250%	0.000%	7.085% - 9.348%	$50,000	$387.65 - $1,043.99	10/8/2025
Fixed Rate Advance (Second Home)	8.000% - 10.250%	0.000%	8.091% - 10.354%	$50,000	$418.22 - $1,068.51	10/8/2025
Fixed Rate Advance (Investment Home)	9.000% - 11.250%	0.000%	9.096% - 11.360%	$50,000	$449.86 - $1,093.37	10/8/2025

Maximize Your Equity

Whether you are looking to upgrade your home, make a major purchase, or stressed out with credit card debt, WECU is here to help with a fixed rate home equity loan or a flexible home equity line of credit (HELOC).

Upgrade Your Home

Looking to remodel your kitchen? Put on an addition? Refresh your landscaping? WECU's home equity loans and HELOCs are here to help.

Buy Something Big

Getting ready for a wedding? Planning that dream vacation you've always wanted? WECU's HELOCs and home equity loans can help!

Consolidate Your Debt

Stressed out with credit card debt? WECU’s HELOCs and home equity loans can help!

Apply for a HELOC or Fixed Rate Home Equity Loan

The process is simple and straightforward.

A home equity line of credit (HELOC) affords homeowners the flexibility and freedom to borrow funds over time as needed.

Fixed rate home equity loans can help fund or finance a specific project or purchase.

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Unlock Your Rental Property's Value

As a landlord, you know the value of your rental property. Now you can use that value to get the funds needed to make improvements, expand your portfolio, or cover unexpected expenses. Our home equity line of credit for landlords offer competitive rates and flexible terms to fit your unique needs. Apply today and start making the most of your rental property's equity!

Apply Now

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Need a Hand?

Watch our on-demand home improvement webinar to learn more about starting a home improvement project with information about budgeting, the contracting process, and more.

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† Minimum HELOC amount is $15,000. Minimum advance to lock in rate is $5,000.

§ Available for 1-4 unit residential properties in Washington.

The information provided on this page is for comparative purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, loan to value ratio, etc. All home lending products, including mortgage, home equity loans and home equity lines of credit, are subject to credit and collateral approval.

The payment examples do not include mortgage insurance, amounts for taxes, and insurance premiums. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums. An initial borrower deposit may be required if an escrow account for taxes and insurance is established.

There may be additional loan options (not available online) for your specific loan type, including USDA, depending on loan amount, occupancy, number of units, loan to value and purpose. Please call us at 800-525-8703 x7390 to discuss additional options or click Team page to make an appointment with a Mortgage Advisor.

Adjustable Rate Mortgage Disclosure

Consumer Handbook on Adjustable Rate Mortgages

HELOC Important Terms

What You Should Know About Home Equity Lines of Credit

NMLS ID 401041
WECU real estate products are available only for properties located within Washington State.

Lock In & Save

Home Equity Line of Credit Rates

Maximize Your Equity

Upgrade Your Home

Buy Something Big

Consolidate Your Debt

Apply for a HELOC or Fixed Rate Home Equity Loan

Home Equity Line of Credit

Fixed Rate Home Equity Loan

Unlock Your Rental Property's Value

Need a Hand?

Tap into Your Home Equity

Upgrade Your Home

Buy Something Big

Consolidate Your Debt

Unlock Your Rental Property's Value

Need a Hand?

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We are excited to help you on your home ownership journey!