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Home Equity Loans

HELOC Intro Rate - 2.49% APR* for 12 months

With one of the lowest rates in the state of Oregon, we make it easy for you to turn your home's equity into a financial resource. Tap into your home's equity and use it for:

  • Home improvements
  • Debt consolidation
  • Medical expenses
  • Loss of income recovery
  • Education expenses

And much more. Whether this is your first home equity line or you're looking to refinance a line from another institution, we are here to save our members money.

Apply Online CURRENT RATES    

APR = ANNUAL PERCENTAGE RATE. 2.49% introductory APR available for the first 12 months that the line of credit is open. Rate will then be variable monthly based on Prime + 0.50%. Offer not available on existing OCU home equity line of credit loans. $25.00 annual fee. Closing costs apply. Appraisal maybe required if LTV is over 75% of tax assessed value. Consult your tax advisor for your deductibility status.

Home Equity Lines of Credit (HELOC)

This revolving credit line provides maximum flexibility and nearly instant access to your HELOC funds.

  • Up to 80% LTV
  • Loan limits $10,000 to $100,000
  • Easy access to funds via online banking
  • Take advances as you need them

Home Equity Loans

Lock in a low rate with this one-time purpose loan. Perfect solution for high-balance project needs.

  • Up to 80% LTV
  • Loans up to $250,000
  • Fixed rate
  • One time advance
  • You can choose how to use the funds

Home Improvement Loans

Don't have much equity? Don't worry. With little or no equity you can make needed home improvements. Click here to learn more.

  • Fixed rate
  • Low setup costs
  • Funds to be used for eligible home improvements
  • Flexible terms up to 120 months
  • No equity needed

Have Questions?

Read our step by step guide to home equity loans below. 

Home Equity Guide



 Link to Equal Housing LenderAn Equal Housing Lender