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Home Equity Loans & Lines of Credit

Two Adirondack chairs look out over a bay. Text below reads “Washington is our home too.”

Your Home's Equity is Your Asset

We offer Home Equity options that can help you pay for home improvements, consolidate debt or finance a large purchase.

What is home equity? It’s the current value of your home minus your mortgage balance. You can borrow against that equity to consolidate your debts to make paying them down easier and more efficient. 

WSECU can help with two home equity options: Home Equity Loan or Line of Credit. One of these may be right for you if:

  • You want to pay down your debt faster.
  • You want to lower your monthly payments.
  • You want to finance a large purchase.

Apply Now

Here's what you'll need

Borrow up to 80% of your home's equity!

Subject to credit approval, underwriting guidelines and property occupancy



Home Equity Loan

A Home Equity Loan is a lump-sum amount determined by the equity you have in your home. It can offer a lower interest rate than a Home Equity Line of Credit (HELOC) and set monthly payments. 

How can you use a home equity loan? You can remodel or improve your home, consolidate debt or purchase a vehicle. 

  • No early repayment fees
  • Fixed rates*
  • Fixed monthly payments

Get Started

Here's what you'll need

*View assumptions

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is a revolving line of credit funded by the amount of equity you have in your home. Think of it like a credit card that is funded by your home’s equity (but with a much lower rate). 

  • Access your line of credit for up to 10 years.**
  • 20 year repayment period.
  • Variable rates.
  • Gain flexibility for unexpected circumstances.

Get Started

Here's what you'll need

**Conditions apply

What Our Members Are Saying

"The Home Equity team was great! They explained to me the plan, helped me get the information I needed and were always in contact with me through the whole process. At the branch, the staff were clear and we both understood what we were signing. I have been banking with WSECU for many years and appreciate their business."
- Lisa
WSECU Member

Your perspective is important to us and helps us see where we’re hitting the mark and where there might be areas to improve.