Rock the HELOC.

Rock the HELOC

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Is this your year to:

The money you need may be hiding in your home.

Why apply for a HELOC from Numerica?

Easy, on-the-go access to your funds.

Tapping your line of credit is a snap with the HELOC Visa card.** Your available balance replenishes as you pay your HELOC balance, making it easy to cover and track expenses on your dream project.

Here’s the legal stuff

*APR = Annual Percentage Rate, introductory rate as low as 2.99% APR until 12/31/22 (includes relationship discounts). The current APR is as low as 3.75%, effective March 18, 2022. Offer good on applications taken March 1 to May 31, 2022. LTV up to 90% on primary residence, up to 80% on secondary/vacation residence, and up to 75% on investment property. For loan amounts over $250,000 the members is responsible for paying all fees, which typically include: appraisal, title, tax tracking, credit report and flood fees. Promo may be available for refinanced Numerica HELOCs if the following are true: 1. Must be greater than 12 months post origination of existing Numerica HELOC, and 2. New limit must be a minimum of $50,000 over the existing limit. Not available on bridge loans, properties outside WA or ID or on residences beyond a 50 mile radius of a Numerica branch. Rate will increase after the 12/31/22 introductory period depending on credit score at origination and Prime Rate and may change quarterly thereafter. The indexed rate is prime + margin. Prime rate is the Wall Street Journal Prime Rate, and as of March 18, 2022, is 3.50% and is subject to change. Margin can be a minimum of 0.25% and a maximum of 5.75%, depending on credit score, occupancy, and relationship discounts. Variable rate will not be lower than 2.99% APR or higher than 18% APR. Subject to credit approval. Other terms and conditions may apply. If a full appraisal is required, the cost of the appraisal is the responsibility of the member. Credit union membership fee is $20.

**Card available for Smartline members only. $20 membership fee may apply.