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WECU is a not-for-profit financial institution focused on helping members grow financially.
Earnings are returned to members through competitive rates, minimal fees, and people-first service.
You are not just a customer. You are a member.
Apply for a WECU HELOC online and get flexible access to funds for the things that matter most.
Safe. Secure. Federally insured by NCUA.
If you live, work, worship, or attend school in Washington, you and your family can become members.5 Membership is free.
1. Minimum HELOC amount is $15,000. Minimum advance to lock in rate is $5,000. Rates and terms may change at any time and without prior notice.
2. Available for 1-4 unit residential properties in Washington.
3. WECU Mobile is rated 4.8 in the Apple App Store and 4.7 in Google Play, as of October 2025.
4. 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.
5. Returning members must be in good standing.
Adjustable Rate Mortgage Disclosure
Consumer Handbook on Adjustable Rate Mortgages
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.
The site you are about to visit is not operated or controlled by WECU, nor is WECU responsible for its content. WECU is not to be misconstrued as a representative for visitors of our website, the third party website operator, or for our members in the event of communication or a transaction. WECU's website terms, privacy and security policies may differ from this site.
The first step is to create an account for your customized Real Estate experience.
