Fixed Rate Home Equity Loans
Thinking about home improvements? Need money for travel or education?
A home equity loan can help, and the interest may be tax-deductible (consult with your tax advisor). PNWFCU® offers fixed rate, closed-end, fully amortized home equity loans for owner-occupied primary residences.
Home Equity Loan Benefits
- Predictable fixed rate and monthly payment amounts
- Great loan terms up to 20 years
- Convenient and easy online application
- Borrow up to $100,000 if your 1st mortgage is with PNWFCU
**Maximum $50,000 loan amount unless your first mortgage is with PNWFCU.
PNWFCU® Home Equity Loan Rates
| Product | Rate | Points | APR* | Payment |
|---|---|---|---|---|
| Rates Effective: 02/24/2025 | ||||
| Home Equity Line of Credit* | 7.500% | 0.000% | 7.500% | $750 |
| Home Equity 20 Year Fixed* | 8.050% | 0.000% | 8.127% | $420 |
| Home Equity 15 Year Fixed* | 7.650% | 0.000% | 7.743% | $468 |
| Home Equity 10 Year Fixed* | 7.350% | 0.000% | 7.478% | $590 |
| Home Equity 5 Year Fixed* | 7.200% | 0.000% | 7.435% | $995 |
| Home Improvement Loan** | 5.875% | 0.000% | 6.026% | $1,224 |
All loan applications are subject to credit and property approval. Click here for other products and terms.
**** Annual Percentage Rate (APR) and payment calculations are based upon a single family, owner-occupied residence with a loan amount of $50,000, 80% Loan-to-Value, Credit Score >740, standard 3rd party charges (e.g. appraisal and title). Actual APRs for individual loans may differ due to individual circumstances such as credit qualifications. Maximum loan limits may apply. Interest rates and APRs offered are subject to change without notice.
More Home Loan Options
Home Equity Line of Credit
Mortgage Refinance
Home Loans
A PNWFCU® Home Equity Loan Can Help You Meet Your Goals
Why choose PNWFCU®? Great home equity loan rates, flexible terms and conditions, a fast process when you apply online, and no application fee — not to mention access to great member benefits, products and services!
Pacific NW Federal Credit Union is your financial partner to access the funds you need for life.
Apply NowHome Equity Loan FAQ
We offer 5-, 10-, 15- and 20-year terms on our home equity loans.
Check out our loan calculators here to find the one that best meets your needs.
Our products and services are exclusive to our members. You can see if you are eligible for PNWFCU® membership here.
PNWFCU® has a variety of different options for borrowers. Our loans include:
Through our online and mobile banking app, you can view your FICO® score for free.* We update your score quarterly, and viewing won’t hurt your credit score.
*FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.
One of the benefits of banking with a credit union is that as a member-owned not-for-profit, we take a personal interest in our members.
PNWFCU® offers members various ways to improve their financial knowledge, whether it’s our online financial tools or our wealth management services.
We also offer debt consolidation loans to simplify your existing loan payments.
Check out our explainer on different options available to members facing foreclosure.
Speak to a Mortgage Loan Consultant
Michael Bradshaw
Mortgage Sales Manager | NMLS #192893
503.258.2618 | Toll Free 800.444.5858, ext. 2618
[email protected]
See what Michael’s members are saying about him online.
