Home Equity Line of Credit (HELOC)

All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change. 

*APR = Annual Percentage Rate. 6-month introductory rate of 2.99% APR (includes relationship discounts of 0.25% discount with automatic pay from Numerica checking and 0.25% discount with Numerica Visa credit card or another Numerica loan). The current APR is as low as 7.75%, effective March 1, 2025. Offer good on applications submitted between March 1 and May 31, 2025. To be eligible for the introductory rate, member must have or open a Numerica personal checking account. Combined loan-to-value ratio up to 90% on primary residence on qualifying credit. Not available on second homes, vacation properties, investment properties, bridge loans, combo loans, refinance of existing Numerica HELOCs, or on residences outside Washington or Idaho. All fees/costs, except full appraisal if required, are typically paid by Numerica if the loan amount is less than $250,000. Fees/costs to open HELOC generally range between $500 to $1,500. HELOCs are subject to recovery charges if closed within two years of origination. Recovery charges are the lesser of total third-party costs paid by Numerica or $500. Full appraisal is required for loan amounts exceeding $250,000, manufactured homes, or underwriter discretion. Rate will increase after 6-month introductory period depending on credit score and prime rate and may change quarterly thereafter. APR is variable and based on the Wall Street Journal Prime Rate. It can adjust quarterly but will never exceed 18.00% APR or go below 2.99% APR. As of March 1, 2025, the prime rate is 7.50% and is subject to change. The APR is a combination of the prime rate plus a margin, which is determined at application and based on several factors, including creditworthiness. All loans subject to approval. Additional terms and conditions may apply. Rates, terms, and conditions are subject to change.