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

Home Equity Line of Credit (HELOC) fees and closing costs

Effective Date: Wednesday, April 30th, 2025

Fee type	Essential	Enhanced	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.

Fee type

Essential

Enhanced

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.