Home equity

Complete projects you've been putting off or finance a special occasion, with an STCU home equity line of credit or fixed-rate loan.

Good for home remodeling, college tuition, vacations, weddings, consolidating debts, medical expenses, adoptions, business ventures, and more!

Home equity line of credit

Worried about rates going up? When you open an STCU home equity line of credit, you also have the option to lock in today's rate on draws of $5,000 or more!

  • Variable rates as low as 4.99% APR.*
  • Draw on your equity line for up to 10 years, with 20 years to pay off.
  • Lock in a fixed rate on a portion of your balance. Lock the rate on up to three different draws at one time.
  • Interest-only minimum payments available during the draw period.
  • Appraisal costs, if needed, can be built into your equity line.
  • Available on your primary, secondary, or vacation home in Washington, Idaho, or Oregon.

Apply for a line of credit »

Home equity loan (fixed rate)

Not everything can be finished in one year (four years of college, two years for braces, and so on.) STCU home equity loans are a competitively priced choice for homeowners budgeting for long-term projects or needs.

  • Fixed rates as low as 4.99% APR.*
  • Loan costs built right into your loan.
  • Available on your primary, secondary, or vacation home in Washington, Idaho, or Oregon. 

Apply for a fixed rate loan »

Apply today!

It's easy to apply for your STCU home equity line or loan, or to get fast answers to your questions:

  1. Apply online.
  2. Call (509) 326-1954 in Wash; (208) 619-4000 in Idaho; or toll free at (800) 858-3750.
  3. Chat online during business hours with an STCU member service representative.
  4. Visit any STCU branch location during weekday business hours.

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*Home equity disclosures

APR=annual percentage rate. STCU membership fee may apply.

Home equity line of credit: STCU pays fees, excluding reconveyance fee and appraisal fee, if applicable, on home equity line of credit. Rate adjusts monthly, with a maximum 18.00% APR.

Home equity loan: The fixed-rate home equity loan includes .25% discount for having an STCU credit card in good standing at the time you get your loan.

All rates and terms.