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

Special Home Equity Line of Credit Offer 

Draw at least $5,000 from your home equity line of credit by December 29, 2017, and enjoy a rate of 2.99% APR through December 2018. Then rates are as low as 4.25% APR (fully indexed rate).

HELOC special-offer details:

  • If you do not already have a Harborstone HELOC, apply for our regular HELOC. (Details on the regular HELOC can be found in the "Home Equity Line of Credit" section below.)
  • Visit a branch or give us a call at (253) 584-2260 or 1-800-523-3641 to make your draw of at least $5,000 by December 29, 2017. In order to take advantage of the special-offer rate, we need to make the draw for you. These funds will be assessed the special-offer rate of 2.99%.
  • Any draws made by you through Online Banking or Telephone Banking will be assessed at the regular rate (calculated as prime + 0, with a minimum rate of 4.25% and a maximum of 12.50%).
  • Special-offer line and regular-offer line will show as two trade lines of credit on your credit report, and each requires a payment.
  • All loans, rates, terms, and collateral are subject to credit approval, are subject to change at any time, and must meet Harborstone Credit Union lending policies.
  • Additional HELOC special-offer disclosures.

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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  • 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