Home equity loans

Apply online here for a home equity loan with Oregon State Credit Union. Use the value in your Oregon or Washington home to fund a variety of needs, including education, home improvement, travel or debt consolidation. Qualified applicants can borrow up to 90% of available equity.

Apply or learn more

Benefits of a home equity loan

  • Affordable — Fixed rates are lower than many other types of credit. Discounted fees for Member Merits accounts.

  • Easy — Enjoy set monthly payments and receive the loan in a lump sum.

  • Flexible — $10,000 minimum and up to $350,000 maximum; 10 or 15-year terms. Use funds to pay for planned or unplanned expenses.

What is a home equity loan?

A fixed-rate loan based on the value (equity) of your home, with your home as collateral. The loan comes to you as a one-time payment rather than a line of credit. Learn more about home equity with these articles:

Steps for getting a home equity loan

Behind every home equity loan there's a home and personal finances to consider. That's why we work with you every step of the way. Our easy home equity loan application starts the process with these basic steps:

  1. Apply online or at a branch
  2. Documents are gathered (some provided for you, some are for our files)
  3. Underwriting is completed
  4. Pre-closing
  5. Closing

Learn more about home equity options

Call us at 800-732-0173 or apply online. We’re happy to help you learn more about home equity, answer questions and talk about your options.

Apply online | Home equity loan 

Got home loan questions? Contact us -- we can help!
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