Home loan and home equity line of credit disclosures, 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.
Mortgage rates 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. The minimum rate is 4.75% APR and the maximum rate is 18% APR.
Save up to $500 off closing cost
The $500 reduction off closing costs is for Oregon State Credit Union Premier Members and does not apply to Home Equity Line of Credit, Home Equity Loan or Land Loan.
- Learn more about the closing cost reduction and these loans: adjustable-rate, First-time Homebuyer, fixed-rate, refinance.
|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.|
Home Equity Line of Credit closing costs
Closing costs to open a HELOC vary between $0-$2000.