Home Equity Loan Rates

Variable rate Home Equity Lines of Credit are calculated at the rate specified, then adjusted monthly based on the index plus a margin indicated in the Home Equity Loan Rates and Fees Addendum.

Properties used to secure home equity loans must be owner-occupied. Prepayment fees may apply. Please call our Contact Center at 800.562.0999 for details.

Home Equity Loan Rates
LoanAPR1Max Loan-to-ValueMax AmountPayment Period
Home Equity – Fixed Rate 3.99%-7.24% 100% $250,000 Up to 240 mos.

We may lend up to 100% of the appraisal or 100% of the automated valuation model2 of the property. WSECU does not offer financing for Fixed Rate Home Equity Loans or Fixed Rate Mobile Home Loans in 1st lien position.

Home Equity Line of Credit Rates
LoanAPR1Max Loan-to-ValueMax AmountPayment Period
Easy Equity Line of Credit – Variable Rate 4.24%-7.75% 100% $250,000 Payment based on 1% of balance

We may lend up to 100% of the Appraisal or 100% of the automated valuation model2 of the property. A Prepayment fee of $350 will be charged if the loan is paid off and closed within the first 24 months. Maximum interest rate of 18%.

1Annual Percentage Rate

2Certain restrictions may apply. An appraisal may be required. Please contact a Home Loan Consultant for details.

Rates and terms indicated are for loans offered on February 1, 2016. Loans after that day may have different rates or terms.