Home Equity Lines of Credit

1.99% APR intro rate HELOC for 12 months, plus no closing costs! After that, rates as low as 3.99% APR. 
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Ready for your dream kitchen or the vacation of a lifetime? You can make it happen by using the equity in your home. With our low rates and affordable payments, you’ll soon be on your way.

Home Equity Lines of Credit are great for:

Homeowners who prefer to access funds now and in the future and want interest rates lower than other loan options.

Why a home equity line of credit from Sound?

  • Competitive variable rates
  • No cash advance fees
  • No annual fees (if $45 in interest paid during calendar year; otherwise $45)
  • Tax-deductible interest¹

How to access your line of credit

  • Home Equity Visa card
  • Home Equity checks
  • Online transfer from your line of credit to your account
  • Cashiers’ check from your local branch
Today's Rates Introductory APR ‡ APR Range*
Up to 70% LTV1.99%3.99% - 6.25%
70% - 80% LTV1.99%4.25% - 6.25%
80% - 100% LTV1.99%5.25% - 7.25%
Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions.
Effective as of April 1, 2014

‡Introductory Rate
Property must be located in Washington State. Introductory rate available for twelve months after the loan is funded. At the beginning of the thirteenth month your regular rate will go into effect. Offer subject to change at any time.

¹Consult your tax advisor for details. Estimated appraisal cost is $500. Maximum loan amount is determined by the amount of equity in your home, based on appraised value, up to $50,000. The minimum monthly payment may change as a result of rates changing. Contact the credit union for more details.

Financing available on homes in Washington State. A $345 early closure fee is applied if the loan is closed within the first 24 months. Home equity line of credit has a variable rate based on Prime, as published in the Wall Street Journal, and subject to change during the term of the loan. 

Using your home to secure a loan is a big decision and we want to make sure you’re comfortable with it. For that reason, when we receive your application for a Home Equity Line of Credit we’ll give you a copy of “What You Should Know About Home Equity Lines of Credit,” a consumer brochure published by the Federal Reserve Board. You may also obtain a copy of this brochure from the loan department at any time.

Routing #: 325183220

Equal HousingNCUA