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Home Equity
Low-interest Home Equity Loans
Closing costs can be confusing. We decided to simplify them.
For a limited time, all Home Equity Fixed loans come with a flat $399 closing fee*. Because simple just makes sense.
Plus, members get a cash bonus at closing based on funded loan amount!
| Loan Amount | CASH BONUS |
|---|---|
| $100,000+ | $500 |
| $75,000-$100,000 | $250 |
| $25,000-$75,000 | $100 |
You made an investment when you bought your home. Take advantage of your home's equity by borrowing for anything from home improvement projects, to large ticket purchases, or even debt consolidation. Get a lump sum loan with a low, fixed rate and a term that works for you. Apply today to get started!
Featured Rates
FINANCE UP TO $726,000
| Option | APR* | Term | Amount |
|---|---|---|---|
| Home Equity Loan | As low as 6.00% | Up to 300 months | Based on Equity, up to 133% CLTV2 3 |
*APR = Annual Percentage Rate. Members who have closed an existing Credit Union West Home Equity in the last 12 months are not eligible to receive the promotional incentive on a new Home Equity for the same property. Cash-back incentives are based on the funded loan amount and will be deposited into the member’s primary savings account with Credit Union West at loan closing. To receive a $500 cash-back incentive, the loan amount must be equal to or greater than $100,000. To receive a $250 cash-back incentive, the loan amount must be equal to or greater than $75,000. To receive a $100 cash-back incentive, the loan amount must be equal to or greater than $25,000. During the promotional period, a flat closing fee of $399 will be charged for all Home Equity Fixed-Rate loans under $400,000. Appraisal fees are not included in the flat closing fee and may be required to be paid by the borrower. Existing home equity loans currently held with the Credit Union are not eligible for this promotion. Promotion ends June 30, 2026. Any earned promotional incentive will be reported to the IRS for tax purposes. Any taxes are the responsibility of the recipient and are reported on a 1099-MISC. All loans are subject to credit approval property qualifications. Restrictions may apply. Offer subject to change at any time without notice.
2Please consult a tax advisor for information regarding the deductibility of interest and charges.
3CLTV stands for combined loan-to-value
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