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
- Home equity loan rates: call 800-732-0173 for no obligation quotes. Check membership eligibility here.
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:
- Apply online or at a branch
- Documents are gathered (some provided for you, some are for our files)
- Underwriting is completed
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.