Home Equity Line of Credit

1: APR is Annual Percentage Rate. Introductory rate of 6.39% APR is effective for 12 months starting from the account open date and applies to most new, approved, and refinanced home equity lines of credit. 6.39% APR Introductory rate is effective October 1, 2026 and applies to primary, secondary and vacation properties. Additional 1% margin for Investment properties. Some exceptions may apply. At the end of the introductory rate period, the APR becomes a variable rate. The rate, terms, and conditions as stated in the member’s Home Equity Agreement will apply. The interest rate will never exceed 18%. Must meet eligibility criteria. Offer of credit is subject to credit approval. Contact the credit union for details. Meriwest home equity lines of credit are offered only in the states of California, Arizona, Washington, Oregon, and Nevada. Origination fees, ranging from $300 to $1,800, are deferred unless the loan remains open for three or more years, at which point the deferred origination fees are waived. Property insurance is required. Limited-time offer. May be changed or terminated without prior notice. There is a $50 annual fee, which will be waived if at least $50 in interest is paid on the Home Equity Line of Credit before each anniversary date. The annual fee waiver will continue until 12/31/26.

2: A minimum 7.25% fully indexed APR is as of November 1, 2026.

Membership requires a one-time non-refundable $5 fee.