Home Equity Line of Credit (HELOC) rates, fees, disclosures

Home Equity Line of Credit (HELOC) rates
Effective Date: Tuesday, July 27th, 2021
Loan typeAPR (Low)*APR (High)Term
Home Equity Line of Credit (HELOC) 3.25% 4.25% Draw period of up to 10 years. After draw, repayment term of up to 15 years.

Home Equity Line of Credit (HELOC) fees and closing costs
Effective Date: Tuesday, July 27th, 2021
Fee typeEssentialEnhanced Premier
HELOC annual fee $75 $50 $25
The HELOC annual fee is waived the first year. After that, the annual fee depends on your Member Merits category as shown in the table above.

Closing costs vary between $0-$2000.

  • $500 credit for closing costs — The amount of credit cannot exceed total closing costs. Repayment of credit required if the HELOC is closed by the borrower within three years from the date of the Deed of Trust or Modification of the Trust Deed.

  • If appraisal is required, borrower(s) must pay for appraisal up front. Flood and/or property hazard insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. Organization NMLS #472475.

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