Get the WECU Purchase Promise.

$500 off Closing1
$500 Close on Time Guarantee2
$500 off Future Refinance Fee3
Learn More

Why Choose WECU

At WECU, we provide a personalized, collaborative home purchasing experience with our local experts who are here to walk you through the process, discuss your options, and answer any and all questions you may have along the way.

Purchase a Home

Your home is a special place. And we're here to make the home buying process easier, with competitive rates and low fees.

Refinance

Refinancing is a great way to lower your interest rate and payments. You can also use a refi to consolidate debt or take out cash.

Home Equity

Need a bit of cash for a honeymoon, boat, home remodel, or unexpected expense? You can take out a home equity loan.

VA Loans

Offering veterans competitive interest rates, flexible terms, and personalized customer service, making homeownership more accessible.

Home Loan Rates

Loan TypeRate*PointsAPR**Example LoanMonthly Payment***effective date
30-Year Fixed6.875%0.750%7.017%$300,000$1,970.795/24/2024
15-Year Fixed6.500%0.500%6.686%$300,000$2,613.325/24/2024
7-Year ARM6.750%0.250%7.462%$300,000$1,945.795/24/2024
30-Year Fixed Invest7.625%0.875%7.762%$300,000$2,123.385/24/2024
Jumbo 30-Year Fixed6.625%0.750%6.744%$900,000$5,762.805/24/2024
Jumbo 15-Year Fixed6.250%0.750%6.441%$900,000$7,716.815/24/2024
7-Year Jumbo ARM6.375%0.375%7.222%$900,000$5,614.835/24/2024

*Rates are for owner occupied (unless specifically noted as Investment), single-family purchase money, assuming a 25% down payment and credit score of 780.

**The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. Interest rates, APRs, and points shown are subject to change without notice.

*** Payment examples are principal and interest only and do not include amounts for taxes and insurance premiums. Actual payment may vary based on your specific situation.

Loan TypeRate*PointsAPR**Example LoanMonthly Payment***effective date
30-Year Fixed6.875%0.875%7.019%$300,000$1,970.795/24/2024
15-Year Fixed6.500%0.500%6.670%$300,000$2,613.325/24/2024
7-Year ARM6.750%0.375%7.437%$300,000$1,945.795/24/2024
30-Year Fixed Invest7.875%1.000%8.016%$300,000$2,175.215/24/2024
Jumbo 30-Year Fixed6.625%1.000%6.762%$900,000$5,762.805/24/2024
Jumbo 15-Year Fixed6.250%0.750%6.430%$900,000$7,716.815/24/2024
7-Year Jumbo ARM6.375%0.500%7.216%$900,000$5,614.835/24/2024

*Rates are for owner occupied (unless specifically noted as Investment), single-family refinance of existing balance, 75% loan to value and credit score of 780.

**The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. Interest rates, APRs, and points shown are subject to change without notice.

***Payment examples are principal and interest only and do not include amounts for taxes and insurance premiums. Actual payment may vary based on your specific situation.

Loan TypeRate*PointsAPR**Example LoanMonthly Payment***effective date
1-20 Year Fixed Rate (Primary Residence)8.250% - 10.500%0.000%8.413% - 11.059%$50,000$426.03 - $1,074.705/24/2024
1-20 Year Fixed Rate (Second Home)9.250% - 11.500%0.000%9.425% - 12.082%$50,000$457.93 - $1,099.635/24/2024
1-20 Year Fixed Rate (Investment Home)10.250% - 12.500%0.000%10.438% - 13.106%$50,000$490.82 - $1,124.905/24/2024

*Rates are subject to credit, occupancy, and combined loan to value.

**The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. Interest rates, APRs, and points shown are subject to change without notice.

***Payment examples are principal and interest only and do not include amounts for taxes and insurance premiums. Actual payment may vary based on your specific situation.

Hazard insurance and, if applicable, flood insurance is required. Other conditions and restrictions may apply.

Loan TypeRate*PointsAPR**Example LoanMonthly Payment***effective date
Variable Rate HELOC (Primary Residence)8.250% - 10.500%0.000%8.342% - 10.605%$50,000Interest Only5/24/2024
Variable Rate HELOC (Second Home)9.250% - 11.500%0.000%9.348% - 11.612%$50,000Interest Only5/24/2024
Variable Rate HELOC (Investment Home)10.250% - 12.500%0.000%10.354% - 12.618%$50,000Interest Only5/24/2024
Fixed Rate Advance (Primary Residence)8.250% - 10.500%0.000%8.413% - 11.059%$50,000$426.03 - $1,074.705/24/2024
Fixed Rate Advance (Second Home)9.250% - 11.500%0.000%9.425% - 12.082%$50,000$457.93 - $1,099.635/24/2024
Fixed Rate Advance (Investment Home)10.250% - 12.500%0.000%10.438% - 13.106%$50,000$490.82 - $1,124.905/24/2024

*Rates are subject to credit, occupancy, and combined loan to value.

**The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. The rates shown are based on a $50,000 loan balance. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.

***Payments do not include amounts for taxes and insurance premiums. Variable rate payments are interest only. Fixed rate payment examples are principal and interest only. Actual payment may vary based on your specific situation.

WECU’s Home Equity Lines of Credit are variable rate revolving loans secured by your home. The rate is based on the Wall Street Journal Prime Rate with a floor of 3.25% and a ceiling of 18%. The Prime Rate is variable and account rate may be adjusted to prime rate daily. Account rates are not guaranteed for any period of time including the funding period.

All terms, including fees and the APRs for new transactions, may change after account opening in accordance with the agreement and applicable law. We do not charge annual maintenance fees. The line has a 10-year draw period followed by a 20-year repayment period. All loans are subject to approval.

Loan TypeRate*PointsAPR**Example LoanMonthly Payment***effective date
VA 30-Year Fixed Purchase6.375%0.375%6.531%$300,000$1,871.615/24/2024
VA 15-Year Fixed Purchase5.750%0.125%5.962%$300,000$2,491.235/24/2024
VA 30-Year Fixed Refinance6.375%0.375%6.531%$300,000$1,871.615/24/2024
VA 15-Year Fixed Refinance5.750%0.125%5.962%$300,000$2,491.235/24/2024

*Rates are for owner occupied 1–4-unit purchase or refinance transactions.

**The Annual Percentage Rate (APR) is the cost of credit expressed as a yearly rate. The APR takes into account closing costs and fees. Interest rates, APRs, and points shown are subject to change without notice.

***Payment examples are principal and interest only and do not include amounts for taxes and insurance premiums. Actual payment may vary based on your specific situation.

Businessman in blue shirt holding a tablet, smiling at camera.
What To Expect

Buying a Home with WECU is as Easy as 1, 2, 3

Watch this short video for an introduction to the homebuying process at WECU.

1. Start with WECU
2. Add a realtor to the team
3. Your offer is accepted

Man and woman sitting at desk, laptop open in front of them.
Experts At Your Fingertips

Connect with a Local Loan Officer

Our WECU loan officers are local experts you can trust. As your reliable advisors, neighbors and friends, their knowledge and expertise is readily available to help guide you through your home buying journey.

Large building with glass walls, under a blue sky.
Real Estate Market Update

Check out what's happening in our local market

Tune in to our Real Estate Market Update, a video series for home buyers and homeowners alike looking to get a uniquely local perspective on what's going on in the housing market.

Return to the WECU Real Estate Experience

Already applied for a mortgage with WECU or need to access an in process loan application? Please note, the login below is different than your WECU Online Banking login.

1Discount on closing costs applies only to the purchase of an owner-occupied, single-family residence in Washington State and loan amount of $100,000.00 or more. Promotion subject to standard WECU loan closing requirements and conditions.

2With the Close on Time Guarantee, we guarantee closing your purchase by the date on your fully executed Purchase and Sale agreement (closing time frames less than 21 days do not qualify). In accordance with the terms of the offer, if your purchase is not closed by the date, we will provide you $500. The Close on Time Guarantee timeframe begins upon receipt of a completed application, along with all requested documentation including acceptable assets and income documents, signed disclosures and a fully executed Purchase and Sale Agreement. The fully executed Purchase and Sale Agreement must be received by WECU within 2 business days of mutual acceptance. All home mortgage lending products are subject to credit, property, and investor lending approval requirements. Fees may apply for expedited services.

The Close on Time Guarantee will be void if the following occurs: Delay caused by addressing title defects, Delay caused by natural disasters, Factors outside of WECU control including scheduling or completion delays related to appraisals, and appraisal value disputes, Delays caused by third-parties required to complete the transaction, Delays or extensions in completion of new construction, improvements or repairs being made to the subject property, Failure by borrower or seller to meet contract terms and requirements including seller-related delays or further negotiation of or changes to the purchase contract, loan terms, or borrower’s eligibility for the loan (e.g. changes in credit profile, or employment). Close on Time Guarantee is not available for government financing such as USDA, VA, or condominiums.

3$500 off future closing costs if you refinance with WECU on your WECU funded purchase transaction and if you close by June 30, 2026.

Offers expire December 31, 2024. All rates, terms, and conditions subject to change without notice. Offers apply only to primary residence.

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.

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

The first step is to create an account for your customized Real Estate experience.

Create Account