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

Home Equity Line of Credit (HELOC) rates
Effective Date: Monday, November 28th, 2022
Loan typeAPR (Low)*APR (High)Term
Home Equity Line of Credit (HELOC) 6.25% 8.25% 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: Monday, November 28th, 2022
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.

  • A HELOC loan is eligible to receive a $500 credit. The amount of credit cannot exceed total closing costs. HELOC offer details: 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. See a Mortgage Loan Officer for further details.

  • 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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