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Rates

Make improvements to your home — and have your home pay for it. Or simply turn equity into cash you can use. See how much you'll save with our HELOC promotion.

Key Features

  • Competitive Rates
  • Flexible Terms
  • Local Decisions
  • Variety of Uses
  • Convert home equity into funds you can use
  • Competitive rates for several short-term or one-time needs:
    • Home improvement projects
    • Major life events
    • Education expenses
    • Debt consolidation
    • And more!
  • The existing equity in your home is used as collateral backing
  • Flexible repayment terms customized to you
  • Interest paid may be tax-deductible*
  • Prompt, local decision-making
  • Friendly and attentive service throughout the process
  • Convert home equity into ongoing financing
  • Competitive rates for several ongoing or seasonal needs:
    • Major home improvements
    • Education expenses
    • Debt consolidation
    • Emergency reserve
    • And more!
  • The existing equity in your home acts as collateral
  • Funds available anytime without reapplying
    • Apply once, then use repeatedly thereafter
  • Revolving credit — as principal is repaid, more becomes available
  • Funds easily available via in-person or phone transfers to a specified Cascade FCU account
  • The interest paid may be tax-deductible*
  • Set up automatic payments to be deducted from your account monthly
  • Flexible repayment terms customized to you
  • Prompt, local decision-making
  • Friendly and attentive service throughout the process

Get a rate as low as 1.99% APR1 for the first 12 months

Open a new Home Equity Line of Credit (HELOC) and get an introductory rate for the first 12 months. Pay no closing costs except appraisal if needed. After 12 months, rates as low as 4.729% - 7.729% APR.

Sample Monthly Payments2

Amount Used Monthly Payment
$10,000 $75
$25,000 $188
$50,000 $375

1APR = annual percentage rate.

Introductory rate is dependent on loan-to-value (LTV):
LTV up to 80% = 1.99% APR
LTV of 80.01% - 85% = 2.49% APR
2The monthly payment is calculated as .75% of the outstanding balance with a minimum of $75.
*Consult a tax advisor.