Home Equity Loans

Use the equity in your home and get extra cash to pay down high-interest debt, renovate your home, or take a vacation.

Home Equity Loans work well for:

Homeowners who want access to cash for a one-time expense, but want a fixed interest rate and fixed monthly payments.

Why choose a Fixed Home Equity Loan?

  • Low fixed rates
  • A choice of terms: 5, 10, or 15 years
  • Borrow up to 90% of your home’s equity
  • No upfront fees
Today's Rates Term APR Range *
Fixed Home Equity Loans
Up to 70% LTVMaximum 5 Years3.39% - 6.39%
Up to 70% LTVMaximum 10 Years4.14% - 7.12%
Up to 70% LTVMaximum 15 Years4.89% - 6.64%
Up to 80% LTVMaximum 5 Years4.39% - 6.14%
Up to 80% LTVMaximum 10 Years5.14% - 6.89%
Up to 80% LTVMaximum 15 Years5.89% - 6.64%
Up to 90% LTVMaximum 5 Years6.14%
Up to 90% LTVMaximum 10 Years6.89%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of May 1, 2017

*APR is Annual Percentage Rate. Property must be located in Washington State. All loans are subject to credit approval. Your rate and credit limit will be determined based on individual creditworthiness including income, debt ratio, and employment. Verification of income may be required. Must be 18 years of age to qualify for a loan. Must be a Sound Credit Union member to participate. Anyone who lives or works in Washington State can join. Membership at Sound requires a savings account with a minimum balance of $25.

Homeowners insurance is required. A $345 early closure fee is applied if the loan is closed within the first 24 months. Maximum loan amount is determined by the amount of equity in your home. Borrow up to 90% of appraised value.

Routing #: 325183220

Equal HousingNCUA