Tap into your home’s value for improvements, pay off other debts, use as an emergency fund, whatever you need.

1.99% 12-month intro APR*

Amount UsedSample Monthly Payment


  • Borrow what you need, when you need it
  • Easy access through online account transfer, or visiting a branch
  • No annual fee
  • No upfront fees

Fixed Rate Home Equity Loans also available!

Contact us to start your application today!


*APR = Annual Percentage Rate. Subject to credit approval. All offers, rates, terms and
conditions are subject to change at any time and without notice. Regular HELOC rate ranges
from 4.00% – 6.50% after introductory rate and is based on credit worthiness.
**Check with your tax advisor regarding deductibility of interest.
***Payment examples based on 100% loan-to-value and are for illustrative purposes. Your
payment may be higher. Regular HELOC rate ranges from 4%-6.50% after introductory rate
and is based on credit worthiness.
****No upfront closing costs up to $250,000. Loans of $250,000 and over require an
appraisal. Estimated appraisal cost is $775.
Limited time offer. May be withdrawn at any time. Your rate and term are determined by
individual creditworthiness including verification of employment and income, debt-to-income
ratio, and credit history. Under certain circumstances, for example but not limited to, if we
cannot verify your income, there isn’t sufficient equity available on the property, or if any of your
accounts are past due or over limit, we may not be able to finance a loan for you, in which case
you will be notified. Provided all criteria are met, minimum loan amount is $5,000.
Must be America’s Credit Union member to participate. Membership requires a savings
account with a minimum balance of $25.
Home Equity Lines of Credit (HELOC): Property must be located in Washington, Oregon or
Idaho. Property insurance is required. If property is located in a Special Flood Hazard Area, you
will be required to obtain flood insurance.
HELOC: Home Equity Line of Credit has a variable rate based on Prime as published in the Wall
Street Journal and is subject to change during the term of the loan. In no event will the regular
APR be less than 4.00%APR or more than the lesser of 18% APR or the maximum rate allowed
by applicable law.
HELOC Introductory Rate: Introductory rate is valid for twelve months after the loan is funded.
At the beginning of the thirteenth month your regular variable rate will go into effect.
HELOC has a draw period of 120 months and repayment of 120 months.