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A Wescom Home Equity Line of Credit (HELOC) lets you borrow against
available equity using your home as collateral. Avoid inconvenience of annual
fees by becoming a Platinum Signature Member.
Plus, enjoy an introductory rate of 3.99% APR*
for the first 12 billing cycles, then rates as low as 8.75% APR* after.
Help pay off higher-interest debts or help cover home improvements, tuition, or major purchases with a Wescom Home Equity Line of Credit (HELOC).
| Introductory Rate | |
|---|---|
| Rate | 3.99% APR* for the first 12 billing cycles, then rates as low as 8.75% APR* after |
| Borrow up to | |
|---|---|
| Rate | 90% of the value of your primary residence** |
| Origination Fees and Closing Costs | |
|---|---|
| Rate | None† |
| Signature Relationship Points | |
|---|---|
| Rate | Three*** |
| Introductory Rate |
3.99% APR* for the first 12 billing cycles, then rates as low as 8.75% APR* after |
|---|---|
| Borrow up to | 90% of the value of your primary residence** |
| Origination Fees and Closing Costs | None† |
| Signature Relationship Points | Three*** |
Please read each of the required disclosures below before you proceed to apply for your Home Equity Line of Credit loan.
Home Equity Early Disclosure
What You Should Know
* APR = Annual Percentage Rate. To be eligible for the 3.99% introductory APR, you must not have had a Wescom HELOC within the last six months. 8.75% APR to 12.75% APR is the standard variable APR that would apply if this special rate was not offered. The introductory rate is available for primary residences only with a combined loan-to-value at or below 80%. Maximum combined loan-to-value of 90%. The rate or margin you qualify for is based on various factors including your credit rating and the combined loan-to-value (CLTV) of your property.
** Based on combined balances of all mortgages and current value of the subject property. Wescom makes Home Equity Lines of Credit on primary residences, second/vacation and investment homes in California only.
*** Signature Membership terms and conditions apply. For more information about Signature Membership, visit wescom.org.
† Wescom will cover most closing costs associated with a HELOC which may include: credit report, title insurance, flood certification, settlement/closing, recording, property search. If a full appraisal is requested by the member to validate the property value obtained, the cost will be paid by the member. If the line of credit is paid off and the loan is closed during the first thirty-six (36) months following the date of the Note, a processing fee to reimburse the Credit Union for closing costs associated with the HELOC will be due to the Credit Union upon payoff and closure of the loan. The processing fee ranges from $750 to $2,500 depending on the loan amount of the HELOC.
Certain fees, conditions and restrictions may apply. Home Equity Lines of Credit are secured by your home. If you’re paying off an existing real estate loan, the Credit Union does not cover costs imposed by other lenders, if any. Rates and terms subject to change without notice. Loan approval subject to credit evaluation. Property insurance is required.
$75 annual fee on our Equity Line is waived the first year and for Platinum Signature Members and is secured by your Primary Residence. Call for more details.
Wescom Credit Union NMLS ID 999430
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