Home Equity Lines of Credit6 | APR Range* |
|---|---|
6Home Equity Loans and Home Equity Lines of Credit: For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. Rates and fees are subject to change. Please check with your local branch, or call if we can answer any questions. | |
Home Equity Lines of Credit6 Up to 70% LTV | APR Range* 8.50% - 11.50% |
Home Equity Lines of Credit6 70% - 80% LTV | APR Range* 9.50% - 11.50% |
Home Equity Lines of Credit6 80% - 90% LTV | APR Range* 11.50% |
Express Home Equity Mortgage1 | Term | APR Range * |
|---|---|---|
¹Express Home Equity Mortgage Loan: | ||
Express Home Equity Mortgage1 75% loan to value (LTV) | Term 5, 7, 10, 12 or 15 years | APR Range * 6.29% - 7.54% |
Home Equity Loans2 | Term | APR Range * |
|---|---|---|
²Home Equity Loans and Home Equity Lines of Credit: For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. 120 payments of $10.75 per $1,000 borrowed at 5.29% APR. Actual APR based on credit worthiness. Rate is based on 80% LTV or less. Some fees may apply. Payment examples do not include taxes and insurance. The actual payment obligation may be greater. Taxes and insurance will be paid by homeowner. Rates and fees are subject to change. Please check with your local branch, or call 800.562.8130 with questions. | ||
Home Equity Loans2 Up to 70% LTV | Term 5, 10 or 15 Years | APR Range * 6.24% - 9.87% |
Home Equity Loans2 Up to 80% LTV | Term 5, 10 or 15 Years | APR Range * 7.24% - 9.64% |
Home Equity Loans2 Up to 90% LTV | Term 5 or 10 Years | APR Range * 8.99% - 9.64% |
Home Equity Loans3 | Term | APR Range * |
|---|---|---|
3Home Equity Loans and Home Equity Lines of Credit: At least 51% of net proceeds from loan must be used for acceptable energy efficient improvements. For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. 120 payments of $10.63 per $1,000 borrowed at 5.04% APR. Actual APR based on credit worthiness. Rate is based on 80% LTV or less. Some fees may apply. Payment examples do not include taxes and insurance. The actual payment obligation may be greater. Taxes and insurance will be paid by homeowner. Rates and fees are subject to change. Please check with your local branch, or call 800.562.8130 with questions. | ||
Home Equity Loans3 Up to 70% LTV | Term 5, 10 or 15 Years | APR Range * 5.99% - 9.62% |
Home Equity Loans3 Up to 80% LTV | Term 5, 10 or 15 Years | APR Range * 6.99% - 9.39% |
Home Equity Loans3 Up to 90% LTV | Term 5 or 10 Years | APR Range * 8.74% - 9.39% |
Home Equity Loans4 | Term | APR Range * |
|---|---|---|
4Home Equity Loans and Home Equity Lines of Credit: For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. 120 payments of $10.75 per $1,000 borrowed at 5.29% APR. Actual APR based on credit worthiness. Rate is based on 70% LTV or less. Some fees may apply. Payment examples do not include taxes and insurance. The actual payment obligation may be greater. Taxes and insurance will be paid by homeowner. Rates and fees are subject to change. Please check with your local branch, or call 800.562.8130 with questions. | ||
Home Equity Loans4 Up to 70% LTV | Term 5, 10 or 15 Years | APR Range * 6.99% - 9.54% |
Home Equity Loans5 | Term | APR Range * |
|---|---|---|
5Home Equity Loans and Home Equity Lines of Credit: At least 51% of net proceeds from loan must be used for acceptable energy efficient improvements. For 81% to 90% of appraised value, borrow up to $50,000 maximum for Home Equity loans and Home Equity Lines of Credit. Non-owner occupied Fixed Home Equity Loans: maximum LTV 70% with a maximum loan amount of $150,000. Non-owner occupied HELOC rates: Prime +2% to Prime +4% APR; maximum LTV 70% with a maximum loan amount of $150,000. 120 payments of $10.63 per $1,000 borrowed at 5.04% APR. Actual APR based on credit worthiness. Rate is based on 70% LTV or less. Some fees may apply. Payment examples do not include taxes and insurance. The actual payment obligation may be greater. Taxes and insurance will be paid by homeowner. Rates and fees are subject to change. Please check with your local branch, or call 800.562.8130 with questions. | ||
Home Equity Loans5 Up to 70% LTV | Term 5, 10 or 15 Years | APR Range * 6.74% - 9.29% |
You’re right where you’re meant to be. Make it perfect with a home equity line of credit.
GET STARTEDA home equity loan is a consumer loan secured by a second mortgage, allowing homeowners to borrow against the equity in their home. They are recommended to be used for long-term, ongoing expenses like home renovations, medical bills, or college tuition.
Sound Credit Union offers home equity loans. Learn More »
Home equity loans use the equity in your home – the difference between your home’s value and your mortgage balance – as collateral for the loan.
Sound Credit Union offers home equity loans. Learn More »
Other environmentally-friendly projects will be considered on case by case basis.
Whether you’re looking to make a one-time payment, or set up a recurring payment schedule for your loan or credit card payment, we have options for you.
Making payments from a Sound savings or checking account:
If you’re paying from an account at another financial institution:
Payments by Mail
Please include the last four digits of your account number and the loan number on your check.
Sound Credit Union
PO Box 1595
Tacoma WA 98401
Making payments to your Sound mortgage:
While many Sound loans allow you to defer the usual monthly payment, not all loans are eligible for Skip-A-Pay.
Loans eligible for Skip-a-Pay
Loans not eligible for Skip-a-Pay
