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Home Equity Loan Rates
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Rates quoted are for loans with automatic payment. Rates for all loans without automatic payment will be 0.25% more, excluding Visa and variable rate loans. Variable rate Home Equity Lines of Credit are calculated at the rate specified, then adjusted monthly based on the index plus a margin indicated in the Home Equity Loan Rates and Fees Addendum.
Home Equity Loans must be owner-occupied. Prepayment fees may apply. Please call our Call Center at 800.562.0999 for details.
Updated 02/01/2010
| Product |
APR* |
Loan to Value |
Max Amount |
Payment Period |
Additional Info |
| Home Equity - Fixed Rate |
6.49%-8.49% |
80% |
$250,000 |
Up to 180 mos. |
We may lend up to 80% of the Appraisal or 70% of the tax assessed value of the property. If the loan is closed within the first 24 months, a $350 penalty will be assessed. Loans $75,000 and greater require an appraisal. |
| Easy Equity Line of Credit - Variable Rate |
4.50%-6.50% |
80% |
$250,000 |
Payment based on 1% of balance |
We may lend up to 80% of the Appraisal or 70% of the tax assessed value of the property. If the loan is paid off and closed, a $350 penalty will be assessed. Maximum interest rate of 18%. Loans $75,000 and greater require an appraisal. |
| New Manufactured Home - Fixed Rate |
10.75% |
80% |
$100,000 |
Up to 180 mos. |
WSECU fee of 1% of your loan. Loans $75,000 and greater require an appraisal. |
| Used Manufactured Home - Fixed Rate |
11.75% |
75% |
$50,000 |
Up to 120 mos. |
WSECU fee of 1% of your loan. Loans $75,000 and greater require an appraisal. |
* Rates and terms indicated are for loans offered on February 1, 2010. Loans after that day may have different rates or terms.
APR = Annual Percentage Rate
For Important Home Equity Disclosures please click here. To view the Federal Board Reserve Consumer Handbook, please click here.
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| All information provided through this site is intended to be accurate. However, there may be inaccuracies at times, which we will make every attempt to correct when found. Information provided is intended to assist you in making decisions and does not eliminate the need to discuss your particular circumstances with a qualified professional. |
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