Home Equity Loans

There's money in your house. Use it!

Need a loan for your home improvement project? The equity in your home – which is roughly the amount it’s worth minus the amount you owe on it – can serve as a powerful financial tool. We finance up to 100% of your home’s value, less what you owe, saving you a bundle on your next project. Apply online, or schedule an in-person, phone, or video appointment today!

Home Equity Line of Credit (HELOC) Our variable rate HELOC is a secured loan. You can choose between taking a large sum all at once or accessing money as you need it. This makes it a good choice for remodeling your home, paying for college tuition, and serving as a source of emergency funds.
Home Equity Limited Draw Line of Credit This fixed rate secured loan provides a lump sum amount with regular monthly payments. This is a good choice for consolidating your debts, purchasing big ticket items, or taking that dream vacation.
Up to 100% Loan to Value Get a larger loan worth up to 100% of your home's equity. If you choose to sell your home, you'll need to pay off the loan balance before the sale can go through.

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Choose a payment option that works best for your budget with flexible terms available from 5, 10, 15, and 20 years.

Home Equity Loans are typically more affordable than other funding options because of their interest rates and fees.

With a Home Equity Loan, you can choose the distribution that works best for you. If you need money now, you can opt to get all your funds at once in a lump sum to make purchases right away. Or, with a Home Equity Line of Credit, you also have the option to access funds as you need them. It's up to you!

The interest you pay may be tax deductible. Check with your tax advisor.

We offer consumer loans to qualifying members with an Individual Taxpayer Identification Number (ITIN). And because we practice Rate Equality, you can use your ITIN to get our best rate. ITIN Lending details

How to Apply

Apply Online

Why wait? Start your application now. Request your home equity or home equity line of credit now and a member of our team will reach out to you.

Schedule an Appointment

Choose a time to connect with us in person or over the phone. If you’re applying for a consumer, home equity, or mortgage loan, you can meet with us via video for step-by-step guidance!

Apply Via Online Banking or Mobile Banking

Contact Us

Visit us, give us a call, or chat with us to start your application.

Video Appointments

Loan Application Support

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions so you feel confident from start to finish.

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Home Equity Loan Resources

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Apply & Save in 1-2-3

1 Complete an application It takes only minutes to fill out the online application.
2 Get approved We'll crunch the numbers and let you know if you're approved.
3 Consolidate your debt Use the funds to consolidate your bills, start your home improvement project, or cover other expenses.

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Real Words, Real People from the PNW

The first loan I got was for a pickup, then I had an RV, and now I have a boat loan. Each loan was simple and went through so good that I’ve come back to deal with Kim every time. That was the quality that made me decide to switch to Fibre Federal.

Kelly

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*Annual Percentage Rates effective and subject to change without notice.

**Annual percentage rate is 2.0% higher for loan-to-value over 80%.

^Subject to change every 3 months with a floor of 3.25% APR. The maximum APR that will be charged is 18%. Typical closing costs range from $500 – $1,500.

There's money in your house. Use it!

More Features

Flexible Terms

Low Interest Rates & Fees

Receive Funds in a Lump Sum

Tax Benefits

ITIN Lending