Home Equity Loan Options

PSE Credit Union Offers 3 Home Equity Products:

Fixed Home Equity Loan

  • Rates As Low As 4.00%APR**
  • Borrow up to 90% of Home’s Equity
  • Repayment Terms up to 180 months (5yrs., 10 yrs., 15 yrs.)
  • Loans up to $500,000.00
  • Closing costs covered up to $500

Visa Home Equity Line of Credit

  • Rate is based on Prime Rate + 0% (Current Rate as of July 27, 2018, is 5.00% APR*)
  • Borrow up to 90% of Home’s Equity
  • Loans up to $150,000.00
  • Closing Costs are covered up to $500.

Variable Home Equity Line of Credit

  • Interest Rate is variable and based on Prime Rate + or – an index.
  • Rates are determined by a member’s credit score, Loan-to-Value (LTV) ratio and lien position.
  • Borrow up to 90% of Home’s Equity
  • Loans up to $500,000.00
  • Closing costs are covered up to $500


*All rates subject to change at any time and without notice and vary based on credit worthiness, qualifications, terms and collateral conditions. All loans subject to approval.
**Annual Percentage Rate (APR) is a non-variable rate. The Rate shown is accurate as of 12/1/18 and is available to well-qualified borrowers. Term up to 60 months and a loan-to-value (LTV) ratio of 80% or less. Rate includes a .25% discount for having direct deposit and enrollment in online banking with e-statements. Not available for the refinance of an existing PSE Credit Union loan, line or mortgage unless the refinance includes $10,000 or more of new money. Primary residence only. Rate and offer subject to change without notice and cannot be combined with any other offer. Closing costs up to $500 will be covered if application is approved and funds are disbursed by PSE Credit Union. In many cases, the interest is tax-deductible; please consult your tax advisor. Other rates and terms available. Accounts are insured up to $250,000 by American Share Insurance. This institution is not federally insured by member choice. MEMBERS ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.