Home loan and home equity line of credit rates and fees
Find your unique home loan and home equity financing needs with Oregon State Credit Union’s full range of mortgage loan products and lines of credit. Competitive loan and credit line rates plus lower fees are yours.
Home loan rates
Click the links in the table below to learn about rates, loan options and descriptions, payment examples and more.
Your mortgage rate may be different based on your terms and your specific loan criteria. Mortgage rates may be higher than the lowest advertised interest rates. Interest rates are subject to change throughout the day without notice. Current HELOC rates range from 4.75% Annual Percentage Rate (APR). Your rate may be higher than the lowest advertised APR and will be based on your loan-to-value (LTV). The 4.75% APR is based on an 80% LTV. The APR will vary based on changes to the Wall Street Journal Prime Rate. The current Wall Street Journal Prime Rate is 4.75% APR.
$500 reduction off lenders fees
The $500 reduction off lenders fees is valid for Premier Members. This offer is not valid for Short Term Second Lien Home Equity Loans. See a Mortgage Loan Officer for further details and how to qualify for Premier Membership.
- Learn more about lenders fees reduction for these loans: adjustable-rate, First-time Homebuyer, fixed-rate, refinancing.
|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.