Home Equity Loans
Make the most out of the value in your home.
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Tap into your Home Equity for a better financial future
12-month Introductory Rate
Learn MoreCompare Products
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Low-Cap Home Value Line of Credit
Low-Cap Home Value Line of Credit
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Fixed Rate Home Equity Loan
Fixed Rate Home Equity Loan
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Home Improvement Secured Loan
Home Improvement Secured Loan
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Home Improvement Unsecured Loan
Home Improvement Unsecured Loan
Best if you want
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Low-Cap Home Value Line of Credit
A revolving line of credit based on your home’s value.
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Fixed Rate Home Equity Loan
With rates lower than a credit card, you can use this line of credit to make home improvements or pay down debt.
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Home Improvement Secured Loan
Funds for home improvement projects by utilizing the equity in your home.
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Home Improvement Unsecured Loan
Funds for home improvements without adding a lien to your home.
Options and Perks
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Low-Cap Home Value Line of Credit
A loan with a fixed rate, monthly payment, and terms up to 15 years. Maximum loan-to-value 100%
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Fixed Rate Home Equity Loan
With competitive fixed rates and terms up to 30 years, this is a great financial resource for special projects and unexpected expenses.*****
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Home Improvement Secured Loan
Competitive rates and terms up to 20 years. Maximum loan-to-value 133%
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Home Improvement Unsecured Loan
Borrow up to $50,000 and terms up to 15 years.
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Loan Term |
APR* (as low as) |
Loan-to-Value |
Additional Terms |
|---|---|---|---|
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Up to 84 months |
8.05% |
85% |
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Up to 120 months |
8.50% |
85% |
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Up to 240 months |
8.90% |
100% |
Manufactured homes not eligible |
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Up to 360 months |
9.68% |
100% |
Manufactured homes not eligible |
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Rates effective as of April 1, 2025 * APR = Annual Percentage Rate. Rates based on term, Loan to Value, and creditworthiness. All offers, rates, and terms are subject to change at any time. membership eligibility and credit qualifications apply. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. |
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Intro Rate (12 mos) |
APR* After Intro |
Loan-to-Value |
Term |
Additional Terms |
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|---|---|---|---|---|---|
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Lo-Cap |
7.25% |
7.50% |
Up to 80% |
15-year draw, 20-year repayment |
Maximum loan amount $300,000 |
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Lo-Cap Plus |
7.25% |
9.00% |
Up to 100% |
15-year draw, 20-year repayment |
Maximum loan amount $250,000 |
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Rates effective as of April 1, 2025 * APR = Annual Percentage Rate. APR is variable and will adjust according to Prime Rate, as published in the Wall Street Journal. Prime Rate, Loan to Value and credit score determine actual APR and may vary between 7.25% APR and 11.99% APR. Minimum monthly payment will vary according to APR and balance of the line of credit. All offers, rates, and terms are subject to change at any time. Property must be located in Washington State. Property insurance required, flood insurance may be required. Ask about additional fees that may apply, including appraisal fees if required. |
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Helpful Details
Our Home Value lines of credit offer:
No annual fee
And no costs or fees to open your Home Value Line.*
Up to 15-year draw period
Use and re-use your available credit as needed.**
Convenient access to your funds
Access anytime via online banking, or call us.
Tax benefits
Speak to your tax advisor to see what benefits may apply.
Third Party Fees
You must pay certain fees to third parties such as appraisers, credit reporting firms, and government agencies. In addition, you must carry insurance on the property that secures this Account. The amount of these fees depends on the amount of the line of credit, and generally total between $189 and $1,472.50.
Call to speak to a Member Service Representative
Our experienced team can help you choose the best option for your needs.
Call us at 1.800.426.1601 or email us
FAQs and Tips
Home Equity FAQs
Calculators to help you save successfully
Quick Tip
Home Equity Loans can help you consolidate credit card debt
If you’re using your Home Equity Loan to pay off credit cards, in addition to lower interest rates, you’ll have the benefit of consolidating all your debts into one payment.
Ready to apply for a Home Equity Loan?
Disclosures
We do business in accordance with the Federal Fair Lending Act.
*These fees are conditionally waived. If the account is closed before the fifth anniversary of the opening date, the waiver will be revoked and the fees will be added to the outstanding balance that must be paid in order to release the collateral.
On approval of credit. Maximum loan amount and/or cumulative loan to value are subject to underwriting guidelines and credit information. Property insurance required. Based on an acceptable tax assessment and/or appraisal at the discretion of PCFCU.
**Subject to ownership as your primary residence and loan is maintained on an as agreed basis.
***On approval of credit. Maximum loan amount and/or cumulative loan to value are subject to underwriting guidelines and credit information. Property insurance required. Based on an acceptable tax assessment and/or appraisal at the discretion of PCFCU.
****The maximum LTV for PCFCU’s Flex-Pay Home Value Line of Credit is 80% with a maximum loan amount of $300,000. PCFCU’s Fixed Home Equity options include the products designed to meet your needs.
*5.49% Introductory Rate: APR = Annual Percentage Rate. Offer valid 04/01/2025 thru 05/31/2025 and may end at any time. Maximum loan amount is determined by the amount of equity in your home. Borrow up to 100% of appraised value minus any liens for qualified applicants. Appraisal required on loan amounts in excess of $150,000. Estimated appraisal cost is $900. Introductory rate as low as 5.49% APR for 12 months after the loan is funded. At the beginning of the 13th month, the current rate for the Home Value Line LoCap product will apply. This is a variable APR and will adjust according to Prime Rate, as published in the Wall Street Journal. Prime Rate, Loan to Value and credit score determine actual APR after the introductory period and may vary between 4.00% APR and 11.99% APR. Minimum monthly payment will vary according to APR and balance of the line of credit. Property insurance required, flood insurance may be required. 15-year Draw Period with 20-Year Repayment Period. Property must be located in Washington. Membership eligibility and credit qualifications apply. All offers, rates, and terms are subject to change at any time. See us for additional details. NMLS ID: 401239. Federally insured by NCUA.