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Home Loans and Credit Cards Loan Options Home Equity Loans

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!

More Features

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

Log in, choose Apply & Add, and select your desired loan type. On mobile, tap “More” to find Apply & Add.

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.

Home Equity Loan Resources

Calculator

Rates

View Consumer Loan Rates

Loan Payment Example: A $20,000 fixed rate home equity loan at 7.50% APR* for a 240 month term would have a $161.17 monthly payment.

Apply & Save in 1-2-3

  1. 1 Complete an application It takes only minutes to fill out the online application.

  2. 2 Get approved We'll crunch the numbers and let you know if you're approved.

  3. 3 Consolidate your debt Use the funds to consolidate your bills, start your home improvement project, or cover other expenses.

Articles

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Most Common Credit Card Fees Explained Credit cards have changed the way we pay for many of the things we buy. They are convenient, easy to use, and much safer for large transactions than carrying cash. Although it’s now hard to do some things without credit cards—such as booking a hotel room or renting a car—the true cost of having and using them is often higher than it may seem because of fees. Read More
IS IT WORTH REFINANCING MY MORTGAGE? (+ REFINANCE CALCULATOR) Many people refinance their mortgages to obtain lower interest rates, to shorten their loan terms, or for other reasons. Before you refinance, however, it’s important to understand how the process works and to be aware of the fees involved. This will help you decide whether refinancing is worth it. Read More
FHA Loan vs. Conventional Mortgage Buying a home is a big decision, and choosing the right mortgage can feel overwhelming. Understanding the difference between an FHA and a conventional loan is a great place to start. Read More

Real Words, Real People from the PNW

I am very satisfied with my experience, especially due to the fact it was my first time using the text feature. The agent I talked to was very professional, answered all of my questions, operated in timely fashion, and left me with a good first impression. I will be using this again because of her.
Brad O.

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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.

Start Your Home Equity Application

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