Old home. New dreams

Your home equity loan can make it happen.

Home equity rates have rarely been lower -- now as low as 2.99% APR! -- so you can finance your dreams without getting buried in debt.

Apply today to tap the equity in your home for almost any purpose:

Kitchen remodel
New vehicle
College
Vacation
Weatherizing
Wedding
Boat or RV
Consolidate debt at lower rate
New roof
Medical procedure, business venture, adoption, pool, family reunions, and more!

STCU home equity loans

As low as 2.99% fixed APR.*
Fixed-rate loans on primary, secondary, and vacation homes in Washington, Idaho, and Oregon.
Lines of credt on primary and vacation homes in Washington, Idaho, and Oregon.
Interest charges may be deductible from taxes (consult your tax adviser).
Apply online.

Great opportunity

Smart money managers take advantage of great financial opportunities when they come by. This may be one of those times. Rarely has STCU seen home equity loans this low, so we urge you to with an STCU member service representative to learn how much you could save. Plus, you may qualify to deduct interest charges from your income tax (consult your tax adviser).

Your options	Home equity loan	Home equity line of credit
Purpose of loan	anything	anything
Annual percentage rate	current rate	current rate
Interest type	fixed	variable [1]
Maximum loan to value ratio	95% [2]	90% [2]
Maximum loan amount	$500,000	$500,000
Minimum loan/line	$5,000	$5,000 [3]
Maximum loan term	20 years [4]	15 years
Prepayment penalty	none	none

[1] Rate adjusts quarterly based on the monthly average of the 6-month Treasury Bill rate (Auction High) plus a margin. The APR cannot increase more than 6% above the initial rate or the maximum permitted by law, whichever is less. The minimum APR will not be less than 6.25% at any time. [2] Percentage of computed value. Maximum combined loan-to-value ratio may be different as determined by the individual creditworthiness of each applicant. [3] May be taken in draws at any time within 10 years. [4] A 20-year term would yield 240 monthly payments as low as $8.36 for each $1,000.00 borrowed.

The above terms apply to owner-occupied property. Equity loans and lines are not assumable. A fee of $150 will be assessed for the subordination of STCU’s lien position to another lender. STCU terms, conditions, and rates are subject to change and limitations may apply.

Benefits and Features

Low fees on all home equity loans. Get an STCU home equity loan and we'll pay for property valuation, title search, and recording. Reconveyance fee will be paid by the borrower and assessed at time of payoff. Minimum $5,000 advance at closing to qualify for lender paid fees on an STCU home equity line of credit.

Automatic payment discount. Get a .50% APR rate discount when you set up automatic payments from an STCU checking or savings account when you get your loan. The discount applies at the time of the loan origination.

Custom-fit financing. STCU's "custom-fit" financing means that you're more likely to be approved for your equity loan, whatever your credit situation.

Tax deductible interest. The interest on your home equity loan may be deductible come Tax Day. Consult your tax adviser to see if you qualify.

Apply now

Call (509) 326-1954, (208) 619-4000, or (800) 858-3750 during business hours. (NOTE: Our loan officers are available by phone 7:30 a.m. until 6 p.m. weekdays.)
Stop by any of our convenient branch locations for a home loan application packet.
Working with an on-the-spot loan merchant? Have them apply on your behalf.
Or Apply online right now.

*APR=Annual Percentage Rate. Stated rate effective November 23, 2011, and subject to change. Rate applies to new loans only and includes a .50% discount for automatic payment from an active STCU share or share draft account and a .25% discount for having an STCU Visa® Credit Card in good standing. STCU home equity loan refinances are subject to a 1% refinance fee or $100, whichever is greater. Other rates and terms may apply depending on creditworthiness, loan term, and combined LTV. Maximum loan amount not to exceed $500,000.