Home Equity Lines of Credit

Home Equity Lines 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 and Telephone Banking as well as 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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