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Features & Benefits:
- No origination fees and closing cost on our standard HELOC²
- Lock in all or part of your balance with a discounted rate using the HELOC Fixed Rate Conversion option³
- Access funds for a new primary home purchase or make a down payment with a HELOC Flex option, similar to a “bridge” or “swing” loan⁴
APR (Annual Percentage Rate) is accurate as of 04/13/2026. Subject to change without notice. Membership eligibility required. All loans are subject to approval. Maximum combined loan-to-value of 80%. $75 annual fee is waived the first year and for Platinum Signature Members when secured by your Primary Residence. Terms apply.
¹ The 3.99% intro APR is only available for primary residences with a combined loan-to-value at or below 80%. You must not have had a Wescom HELOC within the last six months. After the intro period (the first 12 months from account opening), your rate will revert to the variable rate calculated, as stated in your Agreement. The Rate and APR will increase or decrease monthly based on a comparison of the loan's Rate to the Prime Rate index plus the margin. The maximum APR over the life of the loan is 17.90%. The minimum APR over the life of the loan is 3.00%.
² If HELOC is closed within three (3) years from the open date, you must repay any 3rd party fees that were paid on your behalf. Terms and restrictions apply.
³ HELOCs currently within a special intro rate period are not eligible for the fixed rate conversion (FRC) until the intro period has ended. The minimum APR for a FRC is 6.00%. Your APR on an FRC may be higher depending on the rate specified in your Agreement. Terms apply.
⁴ Terms and conditions apply.
Eligibility
Based on the entries above, you may qualify for:
| Credit Limit Up to | Variable Rate APR As Low As |
|---|---|
APR = Annual Percentage Rate. This calculator is designed to provide estimates using the information provided above and does not constitute an offer or a commitment to lend. Contact us for current rates and terms. Your interest rate and terms may differ based on our credit evaluation and final loan approval. We do not guarantee the accuracy of the calculator or its applicability to your circumstances.
Things To Know
The home you are looking to use for a HELOC must:
- Be a primary residence, second/vacation home, or investment property located in California
- Not be under construction at the time of application
- Not have a first mortgage that is a reverse mortgage
- Manufactured Homes on a permanent foundation are allowed
This HELOC offers a 10-year draw and 20-year repayment period with a variable rate tied to the Prime Rate index plus a margin. Available credit amounts range from $15,000 to $1,000,000 with a floor rate of 3% and a maximum APR of 17.90%.
Other restrictions and conditions may apply. For more information, click here.