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Home Equity Loan Options

PSE Credit Union Offers 3 Home Equity Products:

Fixed Home Equity Loan

  • Rates As Low As 5.99% 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% (As of November 1, 2023 is 8.50%APR*)
  • Borrow up to 80% of Home’s Equity
  • Loans up to $500,000.00
  • 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) shown is accurate as of 03/01/2024 and is available to well-qualified borrowers for a term up to 60 months and a loan-to-value (LTV) of 80% or less. Rate includes a .25% discount for having direct deposit and enrollment in online banking and 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 waived 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 $500,000 through a combination of $250,000 of primary share insurance from American Share Insurance and $250,000 of additional insurance provided by Excess Share Insurance Corporation. This institution is not federally insured by member choice. MEMBERS ACCOUNTS ARE NOT INSURED OR GUARANTEED BY ANY GOVERNMENT OR GOVERNMENT-SPONSORED AGENCY.