Home Equity Loans & Lines

From dreamy home renovations to a well-deserved vacation, a Home Equity Loan from SunWest Credit Union can help get your plans off the ground.


Current Rates

HELOC Loan Rates
Real Estate Product Loan Rate Origination APR*
as low as
Monthly Payment
Home Equity Loans
2nd Mortgage 10 Year LTV<=80% 5.25% 0% Orig. 5.25% $107.30 on $10,000
2nd Mortgage 10 Years LTV>80% 6.90% 0% Orig.5 6.90% $115.64 on $10,000
Home Equity Line of Credit Variable Rate**
Home Equity Line of Credit LTV <=80% 0% Orig. P+0.5% Payment based on outstanding balance.
Home Equity Line of Credit LTV >80% 0% Orig. P+1% Payment based on outstanding balance.
Home Equity Line of Credit Fixed Rate
Home Equity Line of Credit LTV <=80% 4.99% 0% Orig. 4.99% Payment based on outstanding balance.
Home Equity Line of Credit LTV >80% 6.75% 0% Orig. 6.75% Payment based on outstanding balance.
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
** A home equity line of credit is an open-end loan. The rate can vary and is based on prime rate plus a margin. Rates listed are the most current rates. However, they are subject to change. Rates vary based on credit history, loan-to-value, owner occupied status and other factors. Rates range from P + 0% APR (prime rate plus a 0% margin) to 21% APR (maximum APR). The prime rate is based on the published rate in the Wall Street Journal. Rates cannot increase/decrease by more than 2% per year. Closing costs to open a new home equity line of credit range from $200 to $1,200. Real estate payment estimates do not include amounts for taxes and insurance premiums. The actual payment obligation may be greater. For more information about our home equity plans, please contact a credit union representative at 719/561-0804. WSJ prime rate 5.25% effective 8/1/19.



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