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WestStar Credit Union can help you turn your home's equity into an affordable line of credit — whether you use it for education, home improvements, or a personal project. Whatever your dream, our Home Equity Line of Credit (HELOC) offers a competitive rate and gives you ongoing access to tap into your home's equity value.

How do you know if you have equity? Simply put, if your home’s market value exceeds what you owe, you’ve built up equity. If so, let’s get started!


Borrow as little or as much as you need, based on your HELOC limit, up to as much as 80% of your home's value*. You'll be able to draw from your line of credit for up to 10 years, as often as you need.

  • Make advances over the phone, via online or mobile banking, or in-person at any branch or service center
  • Line of credit limit based on loan-to-value ratio
  • The interest paid may be tax deductible1
  • Competitive variable rate
  • No prepayment penalty
  • 20 year repayment term+

Home Equity Line of Credit Rates

A Home Equity Line of Credit (HELOC) is a convenient way to help you cover costs for:

  • Home improvement projects
  • Education expenses
  • Major life events
  • Debt consolidation
  • And more!

*Home value is determined with a simple appraisal at no cost to the borrower. Loan limit requests $100,000 and above, and full appraisals requested by the borrower, are subject to appraisal fees due at the time of application. Minimum loan amount $10,000. Maximum loan amount $250,000.

1Consult your tax advisor regarding the deductibility of interest.

2Variable rate is based on Wall Street Prime, and is subject to quarterly change. Rates are determined by individual credit standing and appraisal value.

+HELOC term is a fixed 20 year term, with payments adjusting based on line of credit balance and remaining term. Funds may be drawn from the HELOC within the first 10 years. Unlimited withdrawals available, with a minimum of $500 each.

We Do Business in Accordance With the Federal Fair Housing Law and Equal Credit Opportunity Act. NMLS ID #456635.

Put your home’s equity to work for you!