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.


Home Equity Line of Credit (HELOC) fees and closing costs
Effective Date: Wednesday, August 17th, 2022
Fee typeEssentialEnhanced 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.

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