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An illustration of beautifully detailed home.
An illustration of beautifully detailed home.
An illustration of beautifully detailed home.
Home equity line of credit (HELOC)
As low as

APR effective 05/04/2023

Apply now

Check your loan status

View rates and terms

Ready to improve your lot?

Make it a good life with a home equity loan or line of credit from STCU.* 

Put the equity in your home to work for you!

  • Debt consolidation
  • Home makeover
  • College education
  • Wedding, vacation, or special events
  • Adoption or medical bills
  • Large purchase, such as a vehicle
  • Business startup
  • Your special dream!

Earn up to 5x points on your DIY projects.

Waiting for your home equity loan to fund? Use your STCU rewards credit card and earn up to 5x points on purchases at qualifying home improvement stores, April 1 – June 30, 2023.

Learn more about bonus points

Home equity loan options.*

Home equity line of credit.

Your home equity line of credit at STCU is ready when you are, and available (upon approval) on your primary, secondary, or vacation home in Washington, Idaho, or Oregon.

How HELOCs work.

HELOC is a variable rate, open-ended loan, meaning you borrow as you go, as opposed to a fixed-rate home equity loan (see below). You can withdraw funds and repay as needed during a 10-year draw period. Once that draw period expires, your loan enters a 20-year repayment period with principal and interest payments.

  • Make large purchases at a competitive rate.
  • Draw cash anytime within 10 years after you open your line of credit.
  • Lock in a fixed rate on draws of $5,000 or more, so you don't have to worry about rising rates. (Up to three draws available at one time!)

Appraisal costs, if needed, can be built into your loan and interest-only minimum payments are available during your draw period.

Fixed-rate home equity loan.

Borrow the equity you've already established in your primary, secondary, or vacation home in Washington, Idaho, or Oregon for projects and expenses you need. Receive one lump sum at a fixed rate, with any loan costs built right into your financing, so you'll always know your monthly payment.

Anything is possible with your STCU home equity loan. Apply today!

Tax deductions may still apply!

The Tax Cuts and Jobs Act of 2017 restricted deductions on mortgages, but taxpayers can often still deduct interest on a home equity loan or home equity line of credit if the money borrowed is used to buy, build, or substantially improve the home that secures the loan. Read the IRS news release and consult your tax advisor.

Loan payment options.

We offer several ways to pay your STCU home equity loan.

Payment Protection.

Debt protection from unexpected misfortune.

Extended hours.

For loan help, call (509) 326-1954 between 7:30am-6pm weekdays.


*APR = annual percentage rate. All loans subject to approval. 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. View all terms, rates, and payment examples.