Your home's been holding out on you. Use the hard-earned equity you’ve built to finance your next big thing.
Key Features
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Competitive Rates
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Anytime Funds
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Revolving Credit
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Local Processing
Competitive Rates
Anytime Funds
Revolving Credit
Local Processing
You've built your home's equity. Now let it work for you.
Access your borrowing power with a 30-year Home Equity Loan designed for affordable monthly payments and financial flexibility.
You can:
- Transform your house into your dream home with renovations or upgrades that enhance comfort and value.
- Consolidate high-interest debts into one manageable payment and reduce financial stress.
- Cover life's big moments like a wedding, quinceañera, college tuition, or family vacations.
Leverage your equity into one monthly affordable low payment.
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Your Equity*Your PowerTerms up to 30 years available.Which payment is right for you? |
Ask our Member Service Representatives to help you find the monthly payment that is right for your monthly budget.
Begin your application in online or mobile banking, click Apply Now below, or visit one of our locations today.
^Loan amount may differ based on credit worthiness and collateral loan-to-value. For illustrative purposes, a $100,000 loan at 8.25% APR for 360-months with Combined Loan-to-Value (LTV) up to 80%, has an estimated monthly payment of $750.00. Rates, terms, and conditions can change at any time and without notice. Ask for further details.
- Turn your home equity into cash you can use for nearly anything
- Competitive variable rates1 for several ongoing or seasonal needs:
- Major home improvements
- Education expenses
- Major life events
- Debt consolidation
- Emergency reserve
- And more!
- The existing equity in your home is used as collateral backing
- The interest paid might be tax deductible2
- Borrow as much as 95% of your home’s value*
- Funds available anytime over the course of 10 years without reapplying; apply once, then use repeatedly thereafter
- Includes 20 year repayment term+
- Revolving credit — as principal is repaid, more becomes available for use
- Make advances over the phone, via online or mobile banking, or in-person at any branch or service center
- Local decision-making and processing
- Attentive, friendly service from start to finish
- Turn your home equity into cash you can use for nearly anything
- Lump sum disbursement upon closing - right into your account to use immediately!
- Competitive fixed rates for several ongoing or seasonal needs:
- Major home improvements
- Education expenses
- Major life events
- Debt consolidation
- Emergency reserve
- And more!
- The existing equity in your home is used as collateral backing
- The interest paid might be tax deductible2
- Borrow as much as 90% of your home’s value*
- Local decision-making and processing
- Attentive, friendly service from start to finish
All loans are subject to credit approval, income verification, and property valuation. Rate and loan amounts are based on creditworthiness.
1Variable rate is based on Wall Street Prime, and is subject to quarterly change. Rates are determined by individual credit standing and appraisal value.
2Consult your tax advisor regarding the deductibility of interest.
*Home value is determined with an appraisal. For loan amounts exceeding $100,000 and above, and full appraisals requested by the borrower, are subject to appraisal fees typically ranging from $600 - $750, and due at the time of application. Minimum loan amount $10,000. Maximum loan amount $250,000
+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.
WestStar Credit Union membership with a minimum balance is required to borrow. Mortgage Loan Origination officers are licensed through the National Mortgage Licensing System (NMLS). WestStar Credit Union, NMLS #456635, originated mortgages at 2775 S. Rainbow Blvd., Las Vegas, NV 89146 and can be reached at 702-791-4777. We Do Business in Accordance With the Federal Fair Housing Law and Equal Credit Opportunity Act.