Home Equity Loans &
Home Equity Lines of Credit
No matter what you’re hoping to make happen with some extra money, we’re here to help you.
Ready to start your next big home improvement project? Looking for ways to help pay for higher education? Ready to consolidate higher-interest debt?
The equity you’ve built with your house can be put to good use. Whether you prefer a loan or a line of credit, we make qualifying easy so you’ll have the money in your hands fast. We offer affordable Home Equity Loans and Lines of Credit that can help make your dreams a reality.
LEARN MORE ABOUT HOME EQUITY
Equity can be a powerful tool. Why not tap into it?
NOT SURE WHETHER A HOME EQUITY LOAN AND OR LINE OF CREDIT (HELOC) IS RIGHT FOR YOU? Below are the most frequently asked questions that we hear.
Money isn’t falling from the sky...
it’s growing in your home.
Home Equity Loan vs. Home Equity Line of Credit (HELOC)
If accessing your home equity is a good fit for you, we recommend considering what kind of home equity access works best for you. Here are the differences in loan programs.
Home Equity Loan
Fixed interest rate
Access funds as needed
Monthly payment stays the same
*Disclosures: APR = Annual Percentage Rate. Information, rate, terms, and conditions are subject to change without notice and not guaranteed. Normal lending policies apply. Actual APR and term will depend on factors the Credit Union may lawfully consider such as points, loan-to-value ratio and credit history. Specific disclosures will be provided on the application. All loans are subject to underwriting and approval of mortgage insurance, appraisal, providing adequate proof of income, verification of ownership, loan to value, and proof of homeowner’s insurance, and flood insurance if required. Tax and insurance escrows may be required. Receipt of application does not represent an approval for financing or interest rate guarantee. Additional restrictions may apply. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 442689. Please contact a WEOKIE mortgage professional for more info.Information, rate, terms, and conditions are subject to change without notice and not guaranteed. Normal lending policies apply. Please contact a WEOKIE mortgage professional for more information.
*Checking Account Promo IMPORTANT INFORMATION: This offer is limited to only new WEOKIE Federal Credit Union checking account customers (those who currently have an active WEOKIE Checking Account are ineligible). Membership eligibility is required. The application is subject to approval & further review. Only Retail Checking Accounts (Freedom, Kasasa, Ultimate, or Ultimate with BaZing) are eligible for any of the checking bonus offers. Commercial Checking Accounts are not eligible. To receive this bonus, the enrolled account must not be closed or restricted at the time of payout. Eligibility may be limited based on account ownership. Transactions may take one or more business days from the date the transaction was made to post and settle to an account. Ask for details. The promo ends on 12/31/2023 and all accounts must be opened by 12/31/2023 to be eligible for bonus offers. All bonus offers are limited to one per person or organization. See details for each below. Information is accurate as of 10/01/23 and may change without notice. Federally Insured by NCUA.
Checking Swipe Bonus (up to $300) - To receive the bonus: Make twenty (20) qualifying WEOKIE debit card point of sale (POS) transactions that need to be posted to your qualifying checking account within 45 days of account opening (via a POS device in-store or an online transaction). ATM transactions and Authorization Holds do not qualify. Bonus will be posted to the account the first business day after the 45-day criteria are met (Contract Date + 45 calendar days). The account must be opened and Active by 12/31/2023 and debit card swipes must be posted to the account 45 days from the account opening date. The final bonus payout will occur on or around 1/15/2024. Offer limited to one new swipe transaction-related bonus per person or organization for the duration of the promo. $300 will be awarded when debit card swipes are made on the new Ultimate with BaZing - or - $100 when debit card swipes are made on the new Ultimate, Kasasa, or Freedom Checking Account.
Checking Deposit Bonus ($100) - To receive the bonus: Make a minimum $250 deposit to this new qualifying account within 45 days of account opening. Opening account deposits are excluded as qualifying deposits. Offer limited to one deposit-related bonus per person or organization for the duration of the promo. Bonus will be posted to the account the first business day after the 45-day criteria are met (Contract Date + 45 calendar days). The account must be opened and Active by 12/31/2023 and a minimum $250 qualifying deposit must be posted to the account 45 days from the account opening date. The final bonus payout will occur on or around 1/15/2024. $100 will be awarded when $250 deposit is made into the new Ultimate with BaZing, Ultimate, Kasasa, or Freedom Checking Account.
LOAN Promo IMPORTANT INFORMATION:
1 Loan Bonus ($100)- Offer good on all NEW WEOKIE Auto, Home Equity, or HELOC loans that have set up auto-transfer payments from a WEOKIE checking account. Other Mortgage Loans and Credit Cards are not eligible. Loan approval, APR, and other terms and conditions are based on underwriting factors such as LTV (Loan to Value), payment method, creditworthiness, collateral, and the term of the loan. All loans are subject to approval. Offer, rates, terms, and conditions are subject to change without prior notice. Cash will be provided as a $100 credit applied to the primary borrower's membership savings within 30 days of loan funding. Loan must remain open with a balance for a minimum of 30 days to qualify. Applicant must meet eligibility requirements for WEOKIE membership. Information is accurate as of 10/11/23 and may change without notice. Offer expires 12/31/23. Federally Insured By NCUA. Equal Housing Lender. NMLS# 442689
2 60 days no payment: If you choose to defer your payment for 60 days, interest will continue to accrue during this time. 60 Days no payment ONLY available on Auto Loans.
To receive up to $500 mentioned, you must fulfill all Checking Promo & Loan Promo requirements as outlined.