Your Home,
Your Equity

Introductory 4.99% APR* for the first 6 months. After that, as low as 7.00% APY† variable, adjusts quaterly.

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Loan APR* (AS LOW AS)
Home Equity Line Of Credit (VARIABLE)

Introductory 4.99% APR* for 6 billing cycles; afterward, variable APR currently 7.00%–9.00%
HELOC 7.00%

 

A Line of Credit, Secured by Your Home

You have spent years paying down your mortgage while your home's value grew. A home equity line of credit lets you borrow against the value you built and draw on it as you need it. 

It is not a lump sum. It works more like a credit card secured by your home. Available when you want it, quiet when you do not.



Renovations That Add ValueHigher Rate Debt, ConsolidatedA Dream Turned Reality


Kitchens, roofs, siding, additions. Fund the work in stages as it happens instead of all at once.



Moving credit card or personal loan balances to a lower rate can reduce what you pay each month.

College tuition. A bucket list trip you keep postponing. A wedding. Not every reason to borrow is an emergency, and some things are simply worth doing.

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How It Works

Four steps, start to draw

  1. Apply. About 15 minutes online. Or start it with someone at any of our branches, or over the phone.
  2. We review. Our team reviews your application, income, and the equity you’ve built. We’ll be in touch every step of the way and will reach out if we need additional information from you. 
  3. Draw what you need. Once your line of credit is open, use what you want when you want it, up to your limit. No need to take it all at once. 
  4. Pay it down. Interest is charged only on what you have drawn. Your monthly payment covers principal and interest so the balance goes down as you pay.
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See what You Could Borrow

At a Glance

  • $15,000 Minimum Line
  • $10,000 Minimum First Draw
  • No Annual Fee
  • No Origination or Application Fee
  • Appraisal only required on requests over $400,000
  • Eligible for owner-occupied single family, condo, townhome, or manufactured home built in 1979 or later.
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Home Equity Loans

  • Not on this product. After the six month introductory period your full balance is on the variable rate. If a fixed payment matters more to you than flexibility, a home equity loan may be the better fit and we are happy to talk it through.

  • Only if you are increasing the line by $25,000 or more. This offer is built for new lines. If your existing line is with another lender, it can be replaced.

  • Yes, but joining is straightforward. Anyone who lives, works, attends school, or worships in Washington state is eligible, and you can apply for the line and open your membership at the same time.

  • Yes. Your first draw at closing must be at least $10,000. After that you can draw whatever you need, in amounts of $250 or more, whenever you need it during the 10 year draw period. You do not have to use your full line.

  • Yes. You will need to keep property insurance in place, and we will be named on the policy. You can use any insurer you like.

  • It varies with title work, documentation, and whether an appraisal is needed. We will give you a realistic timeline when you apply and keep you posted. Because this is secured by your home, federal law also gives you three business days after closing to change your mind before funds are available.

  • That depends on your home’s value, what you still owe, your credit, and your income. Lines start at $15,000 and there is no set maximum. The calculator above gives a rough estimate, and underwriting gives the real number.

  • No. A home equity loan gives you a lump sum with a fixed payment. A line of credit lets you draw over time and pay interest only on the balance you have actually drawn. Many people prefer the line when the expense arrives in stages.

  • There is no annual fee and no application or origination fee. Third party closing costs run $100 to $1,500 depending on your property and title work, plus an $80 Washington state foreclosure prevention fee. An appraisal is required only if you are requesting more than $400,000. If you close the line within 24 months, a $375 cost recapture fee applies.

  • Your rate becomes variable. It is tied to the Wall Street Journal Prime Rate plus a margin set by your credit and your combined loan-to-value, and it adjusts quarterly. As of todays date that works out to between 7.00% and 9.00% APR. Your rate will never go below 4.75% or above 18.00%. We will show you your actual rate before you sign anything.

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Disclosures

* APR = Annual Percentage Rate. APR is accurate as of 10/1/2026 and is subject to change after account opening. Rate based on creditworthiness and product type.

** We do not provide tax advice. Please be sure to consult with a qualified tax professional to understand your specific situation and for further information regarding the deductibility of interest and charges.

† 4.99% introductory APR applies to advances made during the first six (6) billing cycles from the date of account opening. After introductory period, the APR is variable and currently as low as 7.00%, is based on creditworthiness and other applicable factors. Maximum APR is 18.00%. Minimum initial advance of $10,000 required at account opening. Estimated fees to open the line generally range from $100 to $1,500. Qualified properties include owner-occupied and non-owner-occupied single-family homes, condominiums, and townhomes in Washington State. Additional eligibility requirements, terms, and conditions apply.