APR effective 04/01/2025
Turn your to-dos into ta-das.
Whatever’s on your to-do list, a home equity loan or home equity line of credit from STCU can help you make it happen.
Your equity, your way.
With an STCU home equity loan or line of credit, your equity is there for you.
Put your home’s equity to work.
Apply for a new HELOC and enjoy a low introductory rate of 5.99% APR for the first six months!*
Apply nowAlready have a HELOC? Learn more about getting a special fixed rate advance.
Home equity loan options.**
Home equity line of credit.
A HELOC is a variable rate, open-ended loan, meaning you borrow as you go. 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.
Who are HELOCs a good option for?
Homeowners who want flexible access to funds over time for things like tackling home projects, covering ongoing expenses, or having a financial safety net. With a revolving credit line and variable rates, you can borrow what you need, when you need it.
Appraisal costs, if needed, can be built into your loan and interest-only minimum payments are available during your draw period.
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.
Lock in savings with your existing HELOC.
Get a special fixed rate advance as low as 6.99% APR on $5,000 or more. You can set aside a specific dollar amount at a lower rate while keeping the flexibility of the remainder of your line of credit.***
Call us at (800) 858-3750 to get started.
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.
Who are home equity loans a good option for?
Homeowners who need a one-time loan for big expenses and the stability of a predictable monthly payment. That could include debt consolidation or large renovation projects.
Did you know that if you use your home equity loan or line of credit to buy, build, or make major improvements to your home, you may still qualify for a tax deduction?
Learn more on the IRS website 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.
Contact us.
For loan help, call us (509) 326-1954 Monday – Friday between 8 a.m. – 5 p.m.
Disclosures
*APR = annual percentage rate. All loans subject to approval. STCU membership fee may apply.
The six-month promotional fixed interest rate of 5.99% is valid on new HELOC applications funded or received between April 1 and June 30, 2025. This promotional rate applies to new balances on newly originated HELOCs only. Refinancing of existing STCU HELOCs is not eligible. The promotional rate is valid for a period of six months, starting from the funding date of the loan. After the six-month period, the interest rate will revert to the original variable contract rate. To qualify, at least one borrower on the loan must have a minimum credit score of 680 or higher and the combined loan to value may not exceed 80%. STCU reserves the right to terminate or alter this promotion at any time.
**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.
*** Special offer rate as low as 6.99% APR is accurate as of April 1, 2025. Offer is available to members with new or existing HELOC balances. A 1% refinance fee applies to existing STCU fixed advances or existing fixed rate home equity term loans. STCU fixed advances or existing fixed rate home equity term loans. To qualify, you must submit a new fixed advance loan request of $5,000 or greater. During the campaign period, STCU will waive the $50 fixed rate advance fee. STCU reserves the right to terminate or alter this promotion at any time