Home Equity Loans

Seattle Credit Union'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, Seattle Credit Union'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 20 years. You may also be able to deduct your home-equity interest payments (consult your tax advisor for details).

Seattle Credit Union'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.

Seattle Credit Union has a number of different options in our home equity program, including:

  • Home Equity Loans
  • Home Equity Lines of Credit


View Mortgage Rates

Alternative Uses for a Home Equity Line of Credit

What our members are saying:

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"We have our closing this evening and I wanted to thank you for all the work you put into our multiple (and future) loans with you. It is such a pleasure to work with you on these. You understand all the issues, are very helpful, responsive, and you've given me a lot of confidence in having our mortgages with Seattle Credit Union. We are so grateful for your hard work, friendliness, and expertise."

- Joel

"I could not be more satisfied. Despite the length of time, my agent was continuously responsive and helpful at every step, often well after 5 PM. I always knew where we were in the process and what was coming next. They worked very hard to get the three refis correct and balanced them out so we were not out of pocket any money."

- Marco L.

"We really appreciated the great experience you provided for our mortgage loan. Your communications were timely. You led us through the process step by step. And you were so fast in getting the process completed! It was really refreshing to work with you."

- Chris

Equity Loans with no minimum credit score



Home equity loans can be great for home improvement projects or for using the equity in your home to help finance other larger expenses like tax bills, medical payments, or educational costs. At Seattle Credit Union, our Equity Loan Experts make the application process quick and easy. Plus, there's no minimum credit score required when applying for up to 80% of the loan-to-value (LTV) for most types of homes. If you have a manufactured home, we go up to 65% LTV. If you're looking to finance 100% LTV, we still offer extremely flexible terms and highly competitive rates with a minimum credit score of 660. Whatever your unique situation is, we'd love the opportunity to help make your home's equity work for you.

Apply now by clicking the button below, or give us a call at 206.398.5687.

Apply Now

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 206.398.5687.

Frequently Asked Questions


Why should you get your Mortgage from Seattle Credit Union?

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


- Kristine