Home Equity Loans and Lines of Credit

You hold the key to unlocking your home equity.

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Put your home equity to work

Your home’s equity is the difference between what your home could sell for and what you owe on the mortgage. You can access your equity to:

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    Pay off existing credit card debt

    Consolidate your current credit cards at a lower rate, lower payment, and in one location.

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    Make home improvements or renovations

    Now you can afford that room addition, add outdoor living space, or catch up on needed repairs, at a great low rate.

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    Pay for a college education

    College costs are soaring, but your home equity can help bring them down to earth. Use it to set you or your children on firm financial ground.

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    Cover large medical expenses

    With an unplanned medical expense, deductibles, co-pays, and bills can pile up in a hurry. Your home equity can help keep you afloat.

Home equity loan rates

Home Equity Loans

Draw Period

Repayment Period

APR* as low as

Adjust/Reprice

Max LTV

*APR = Annual Percentage Rate. Requires minimum credit score of 600, membership, and credit approval. 3.99% APR introductory rate for the first year. After one-year promotional period, WS Prime Rate for those with credit scores of 700 and above; WS Prime Rate + 1.00% credit scores 650-699; and WS Prime Rate + 2.00% credit scores below 650. 10-year draw, with 20-year repayment period. No origination fee. No annual fee. CLTV (Combined Loan to Value) of 95% maximum. Adjustable rate floor is 4.00%, rate ceiling is 18.00%. Payment in draw period is interest only. Additional fees may apply. If loan amount is greater than $400,000 full appraisal is required. Maximum loan amount is $500,000. Limited time only, rate shown effective as of May 20, 2022. Rate subject to change and offer may end at any time without notice. Home Equity Loans can be used for Solar Panel purchases. Questions? Call us at 800.726.5644.

Draw Period

120 months

Repayment Period

240 months

APR* as low as

3.99%

Adjust/Reprice

For 12 Months

Max LTV

Lesser of 95% CLTV or $500,000

Second Mortgage Loans

Term

APR* as Low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of May 7, 2022. Age 18 or older, membership and credit qualification required. Other requirements may apply.

Term

Up to 240 months

APR* as Low as

6.00%

Unsecured Solar Panel Loans

Unsecured Solar Panel Loan Type

Term

APR* as Low as

Estimated Payment

*APR = Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of September 9, 2022. Age 18 or older, membership and credit qualification required. Must have a credit score of 720 or higher. 90% Loan to Cost Limit with a maximum loan amount of $30,000. Estimated Payment based on loan amount of $30,000. Must be the property owner where the solar panel system is installed. Loans require use of credit union approved licensed and certified contractor and installer. No payments start until installation is completed.

Unsecured Solar Panel Loan Type

10 Year Fixed Rate

Term

120 Months

APR* as Low as

6.00%

Estimated Payment

$333.06

Unsecured Solar Panel Loan Type

12 Year Fixed Rate

Term

144 Months

APR* as Low as

6.50%

Estimated Payment

$300.58

Unsecured Solar Panel Loan Type

15 Year Fixed Rate

Term

180 Months

APR* as Low as

7.00%

Estimated Payment

$269.65

No Lien Home Improvement Loans

Term

APR* as low as

*Annual Percentage Rate.

Rates may change without notice. Rates above are effective as of September 9, 2022. Age 18 or older, membership and credit qualification required. Other requirements may apply.

Term

60 months

APR* as low as

7.00%

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