Harborstone Credit Union: No One Takes Better Care of You

Home Equity Line of Credit

Your home is more valuable than you think.

Step 1: Own a home. Step 2: Talk to Harborstone about getting a home equity line of credit.

  • Home Equity Line of Credit

Home Equity Line of Credit

This is a revolving line of credit, offering the flexibility of having access to funds when you need them at a low rate.


  • Up to 75% tax assessed or 85% appraised LTV is available.
  • Loan amounts up to $250,000, with a minimum of $10,000.
  • Line of credit stays open for 10 years (draw period), with an additional 15 years to pay off the balance (repayment period).
  • Payment during draw period is 1% of the outstanding balance, with $100 minimum payment.
  • No annual fee.
  • No application fee.
  • Low variable rate: prime + 0, with a minimum rate of 4.25% and maximum of 12.50%.
  • Rate is subject to change quarterly.
  • No minimum withdrawal or advance amounts, up to the maximum amount.
  • Accessible through Online Banking, through Money Express telephone banking, and in the branches.
  • Debt protection options available.


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Home Equity Line of Credit 

  • Verified by VISA
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
  • Equal Housing Opportunity
  • Harborstone Credit Union is a BBB Accredited Credit Union in Lakewood, WA
(253) 584-2260 OR 1-800-523-3641
P.O. BOX 4207, TACOMA, WA 98438-0207