Home Equity Line of Credit

Home Equity Line of Credit

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

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Up to 75% tax assessed or 85% appraised LTV (loan-to-value) is available.

Loan amounts from $10,000 to $ 250,000.

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, Telephone Banking, and in the branches.


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).

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.

Low variable rate based on prime plus 0.00%, with a minimum rate of 4.25% and maximum of 12.50%. Rate is subject to change quarterly.Property insurance is required.


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Harborstone Credit Union

Copyright © 2017 Harborstone Credit Union.
All rights reserved.

P.O. Box 4207, Tacoma, WA 98438-0207
Transit/ABA Routing Number: 325180870

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