Home Equity Line of Credit

Two boys in hard hats

A HELOC rocks, oh yeah

A WPCCU Home Equity Line of Credit (HELOC) is the most affordable and flexible way to access your home’s equity. Period. And here is the proof.

Draw, partner

The WPCCU HELOC has a 10-year draw period, during which time you have total control of the approved loan amount, up to $200,000. Use it all for any purpose or use just some. Pay it all off or just some. At the end of the 10-year draw period, any outstanding balance is amortized over 15-years.

Where no means ‘mo

That is, ‘mo money from no upfront costs, no annual or recurring fees and no pre-payment penalty to close your HELOC at any time. No really does mean ‘mo.

And unlike normal consumer loans, a HELOC could have tax advantages for you. Always check first with a professional tax advisor to see what tax advantages you might have in using a HELOC.

Our goal is to get you the loan in the fastest and easiest manner possible. Use the "Start Now" button, call or come into a WPCCU branch nearest you.

^For a limited time only, WPCCU is offering a HELOC with an introductory rate of 0.99% APR for the first 6 months.

^APR = Annual Percentage Rate. All loans subject to credit approval. HELOC promotional rate of 0.99% APR is for the first six months. Rates after the promotional period will vary based on Wall Street Prime rate plus a margin of 1.00% to 3.25%; as of 9/26/19, current rate is 6.00% to 8.25% APR. Maximum loan amount is as high as $200,000. Maximum CLTV is 90%. Periodic rate is determined by adding a margin to the index value; the sum is divided by the number of days in a year (365). The APR is obtained by multiplying the periodic rate by the number of days in a year (365). Maximum APR is 18.00%. The finance charge is the cost you pay for credit and the finance charge on each new advance (draw) begins on the date of the advance and continues until the advance has been paid in full. Please request a consultation for more details. WPCCU membership required.

Let's connect with one of our experienced HELOC specialists today!