HOME EQUITY LOAN
Limited-time special offer
A Home Equity Loan gives you a lump-sum loan at a fixed rate. Apply by November 30 and enjoy rates as low as 6.99% APR**.
TAP INTO THE VALUE OF YOUR HOME
KEY BENEFITS
Lower fees
Predictable payments
Flexible borrowing
Potential tax advantages*
Why choose a Home Equity Loan from OSCU?
A Home Equity Loan gives you affordable financing for planned or unexpected expenses.
Lower costs
- Get special offer fixed rates as low as 6.99% APR** when you apply by November 30
- Save thousands with low fees
- Possible tax advantages* as your interest paid may be deductible
* Consult your tax advisor.
Predictable payments
- Receive your loan in a lump sum
- Enjoy steady monthly payments with 10- or 15-year terms
Borrow more
- Borrow up to $400,000, depending on your home’s equity
- Access up to 90% of available equity (qualifications apply)
Flexible spending
Use funds for any purpose — home projects, debt consolidation, tuition, travel, medical bills, and more.
Make your home equity work harder for you
Lock in as low as 6.99% APR** (0.50% off our standard rates) when you apply by November 30. Start that home improvement project, consolidate your debt, or borrow money for a major expense.
You could save thousands on interest compared to personal loans and credit cards that often charge two to three times as much.
Home Equity Loan details: your loan, explained
Effective date
Sunday, September 6, 2026
| Loan Type | APR (Low)** | APR (High) |
|---|---|---|
| Primary residence or second/vacation home | ||
| 10 Years (120 Months) | 6.99% | 8.49% |
| 15 Years (180 Months) | 7.49% | 8.99% |
| Investment properties | ||
| 10 Years (120 Months) | 7.99% | 8.49% |
| 15 Years (180 Months) | 8.49% | 8.99% |
**Offer valid on new fixed-rate, fixed-term Home Equity Loan applications submitted between 09/01/2026 and 11/30/2026 for residential and investment properties. Receive a 0.50 percentage point reduction from Oregon State Credit Union’s standard Home Equity Loan rate in effect at the start of the promotional period, with rates as low as 6.99% APR based on credit qualifications, loan term, and loan amount. Excludes Home Equity Lines of Credit (HELOCs), existing Home Equity Loans, loan modifications, and refinances of existing Oregon State Credit Union Home Equity Loans. Eligible loans must close by 01/14/2027 and within 45 days of application submission. A sample monthly payment for a $50,000 fixed-rate Home Equity Loan at 6.99% APR for 120 months is $580.44. Taxes and insurance are not included; therefore, actual payment obligations may be greater. Subject to membership eligibility, credit and property qualification, loan-to-value requirements, title review, underwriting approval, and all other lending criteria. Actual rate, loan amount, and terms may vary based on creditworthiness and other factors. Property insurance may be required. This offer cannot be combined with Member Merits loan rate discounts or any other promotional rate offers. Consult a tax advisor regarding the deductibility of interest. All loans are subject to approval. Rates, terms, conditions, fees, restrictions, and promotional offers are subject to change without notice. | ||
Home Equity Loan rates
Primary residence or second/vacation home
10 Years (120 Months)
15 Years (180 Months)
Investment properties
10 Years (120 Months)
15 Years (180 Months)
**Offer valid on new fixed-rate, fixed-term Home Equity Loan applications submitted between 09/01/2026 and 11/30/2026 for residential and investment properties. Receive a 0.50 percentage point reduction from Oregon State Credit Union’s standard Home Equity Loan rate in effect at the start of the promotional period, with rates as low as 6.99% APR based on credit qualifications, loan term, and loan amount. Excludes Home Equity Lines of Credit (HELOCs), existing Home Equity Loans, loan modifications, and refinances of existing Oregon State Credit Union Home Equity Loans. Eligible loans must close by 01/14/2027 and within 45 days of application submission. A sample monthly payment for a $50,000 fixed-rate Home Equity Loan at 6.99% APR for 120 months is $580.44. Taxes and insurance are not included; therefore, actual payment obligations may be greater. Subject to membership eligibility, credit and property qualification, loan-to-value requirements, title review, underwriting approval, and all other lending criteria. Actual rate, loan amount, and terms may vary based on creditworthiness and other factors. Property insurance may be required. This offer cannot be combined with Member Merits loan rate discounts or any other promotional rate offers. Consult a tax advisor regarding the deductibility of interest. All loans are subject to approval. Rates, terms, conditions, fees, restrictions, and promotional offers are subject to change without notice.
| Details | Home Equity Loan | Credit Card | Personal loan |
|---|---|---|---|
| Loan amount | $50,000 | $50,000 | $50,000 |
| Term (Months) | 120 | 120 | 120 |
| APR% | 6.99% | 21.00%*** | 12.00%*** |
| Monthly payments | $580.44 | $999.64 | $717.39 |
| Average monthly interest | $163.77 | $582.97 | $300.72 |
| Total interest | $19,652.80 | $69,955.97 | $36,086.06 |
***Average interest rates for personal loans and credit cards are based on the national average. These examples are hypothetical and are for illustrative purposes only. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters. | |||
Home Equity Loan Comparison Chart
Loan amount
Term (Months)
APR%
Monthly payments
Average monthly interest
Total interest
***Average interest rates for personal loans and credit cards are based on the national average. These examples are hypothetical and are for illustrative purposes only. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance matters.
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