Home Equity Loans

SMCU's Home Equity Loans Make It Quick and Easy to Save Money

Whether you are looking to borrow for home improvements or want to consolidate other debts into one payment to save money, SMCU's home equity loans and home equity lines of credit (HELOCs) are some of the best in Seattle.

Borrow up to 100% of the value of your home (minus any other amounts you owe on your home) with terms up to 15 years. You may also be able to deduct your home-equity interest payments (consult your tax advisor for details).

SMCU's home equity rates can save you hundreds of dollars a year versus loans at other lenders. Our easy online application process means that you can have an answer fast, so you can get to work on adding your new deck or consolidating all of your outstanding credit card debt into one low monthly payment.

SMCU has a number of different options in our home equity program, including:

  • Home Equity Loans
  • Home Equity Lines of Credit
  • Small Home-Improvement Loans

IMPORTANT TERMS of our HOME EQUITY LINES OF CREDIT
View Home Equity Rates

No matter what stage you are at, we're here to help.

Give us a call

If you have any questions or if you are ready to get started, our friendly home equity experts are here for you and ready to help. 

 

Give us a call at 206-398-5888.

Home Buying Workshop: Saturday, April 29

 

Home Buying Workshop

Join us for a free, one-hour workshop for first-time home buyers. We will be covering common pre-purchase issues such as budgeting, determining how much house is affordable, how to save for a down payment, how personal credit reports and debt-to-income ratios affect the process, and how the mortgage lending process works as a whole. SMCU is proud to help the community prosper by educating members and non-members on how to be a responsible homeowner. Our home-buying expert, Emanuel Ortiz will be leading the workshop.

 

SMCU will provide light refreshments and free training materials.

 

The workshop will take place at our Lynnwood Branch (click for directions) from 2:30pm to 3:30pm.

 

Space is limited. To reserve your spot, RSVP at rsvp@smcu.com, or click the button below.

 

RSVP

Why should you get your Mortgage from SMCU?

Speech Bubble

"First off Heather, I just want to say how wonderful you are to work with and how much I appreciate your responsiveness!!!"

 

- Kristine

Frequently Asked Questions

FAQ

Rates

 

Auto Loans as low as*

 

1.49%APR

Certificates as high as

 

2.02%APY

Checking as high as*

 

6.14%APY

Credit Cards as low as**

 

7.74%APR