HELOC PROMOTIONS

Limited-Time Offer:

4.99% APR for 6 Months — Then as Low as 7.50% Variable APR!*

or

Fixed Rate for Five Years — As Low as 6.50%**

Special Introductory Rate!

Your home has the power to unlock new possibilities — and now is the perfect time to make it happen. For a limited time, take advantage of our special Home Equity Line of Credit (HELOC) offer with an introductory 4.99% APR for the first 6 months after your initial withdrawal. After the introductory period, your rate adjusts to a competitive variable APR as low as 7.50%.

Use your HELOC for home improvements, debt consolidation, education expenses, or unexpected costs — all with flexible access to your available funds.

This offer won’t last long. Tap into your home’s potential today and bring your goals within reach!

APPLY ONLINE

Lock in Your Rate - As low as 6.50%

Thinking about making a major investment or tackling a big home improvement project? Our Fixed for Five (FF5) Home Equity Line of Credit (HELOC) is designed to give you the flexibility and stability you need—now with a new lower fixed rate starting as low as 6.50%!

Whether you're renovating your kitchen, consolidating your credit card debt, or even investing in a rental property or other opportunity that requires a significant upfront cost, our FF5 option helps you move forward with confidence. With a fixed interest rate locked in for five years, up to 90% financing available, and a generous 10-year draw period, this HELOC gives you access to your home’s equity with predictable monthly payments and the freedom to invest in your goals. Take advantage of this limited-time low rate and make your next big move a reality!

APPLY ONLINE

Reach Out To Our Home Equity Team Today!

- Jay Nevin
  
  NMLS: 1105736
  541-704-4717
  [email protected]
  Jay, a seasoned banking professional since 2007, specializes in crafting tailored financial solutions, ensuring a seamless process whether you're buying or refinancing. When not assisting clients, he cherishes quality time with his cats, Camille and Kevin.

- Kelsey Drager
  
  NMLS: 1930423
  541-704-4707
  [email protected]
  Kelsey's banking and real estate expertise, coupled with her deep understanding of local markets, ensures personalized financial solutions. Her dedication to client needs is matched only by her passion for racing, which she shares with her husband.

Disclosures

* APR=Annual Percentage Rate effective May 1, 2025, and may change based on market conditions or borrower eligibility. Variable APR based on The Wall Street Journal Prime Rate (currently 7.50%) with a minimum APR of 7.50% and a maximum APR of 21%. Subject to credit approval. The promotional rate of 4.99% APR is applied on qualified HELOC’s and applied to any amounts drawn from the HELOC during the first six months from account activation. After the initial six months, the minimum APR reverts to 7.50% APR. Your APR may be higher based on the prevailing variable-rate index value, your credit qualifications, the amount of your credit line, combined loan-to-value, and/or property type. Minimum credit line is $7,500. Maximum credit line is $350,000. 10-year draw period followed by a 15-year repayment period. Homeowner’s property insurance is required. Flood insurance may be required. Credit line together with any other mortgage(s) cannot exceed 80% of the property value on 1–4 family, owner-occupied properties. The offer does not apply to existing Central Willamette Credit Union credit lines. Membership eligibility is required.

** The Annual Percentage Rate range is 6.50% to 9.75% at the time of opening for the first 5 years. After that the Periodic Rate and corresponding Annual Percentage Rate will be adjusted in accordance with variable rate terms.

Home-Equity-Pre-Disclosures-2024.pdf