Home Equity Line of Credit (HELOC)

Apply for a HELOC, the quick and easy way to tap into the value of your house. From remodels to debt consolidation, funding could be as close as your home.
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Through May, apply for a Numerica home equity line of credit to lock in a rate as low as 2.99% APR* for the next 6 months. (Compare this to the current APR, which starts at 7.75%.)

Act now to fulfill your 2025 dream!

  • Quick, local decisions
  • No fees or closing costs*
  • Easily access funds upon closing

GET STARTED

Rather not apply online? Schedule an appointment, call us, or visit a branch!

Rates as low as 7.75% APR

What could a HELOC unlock for you? 

A dream vacation. Paying off credit cards. That home improvement project. A HELOC may be the answer. 

  • Tap the equity in your home: Better buying power and rates than an unsecured loan
  • Works like a credit card: As you pay down the balance, the available amount replenishes
  • Fixed-rate flexibility: Transfer all or part of your balance to a fixed-rate loan
  • Quick and easy access: Tap into your funds with Online Banking, the Mobile App, or our HELOC Visa

APPLY NOW

Rather not apply online? Let us help! 

How to know if a HELOC is right for you

LEARN MORE

FREQUENTLY
ASKED QUESTIONS

WHAT IS A HOME EQUITY LINE OF CREDIT (HELOC)?

Your home’s equity is the difference between the value of your home and the amount you still owe on it. If you sold your home, this is what you would likely have left after paying off your mortgage. 

A HELOC is a type of loan that allows you to access a certain amount of money that is backed by the equity in your home. 

HOW DOES A LINE OF CREDIT WORK?

A line of credit is a loan in which you are designated access to a certain amount of money. But unlike a traditional loan, you don’t receive a lump sum. Much like a credit card with a set credit limit, you simply access funds when you need them. When you pay it back, your available balance refreshes. 

HOW DO YOU APPLY FOR A HELOC?

Applying for a HELOC from Numerica is a snap. Simply start an online application or schedule an appointment. 

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. Exclusions apply for existing and recent Numerica HELOC members. Ask us for details.

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