A power drill lying on a deck under construction while in the background a couple is hard at work.
  • Great rates starting as low as 4.58% APR*.
  • ZERO application, origination, prepayment or annual fees.
  • Flexible funds to make paying for home improvements a breeze.
  • Pay less interest than other financing options.

Turn your home equity into home improvement


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Rates are current as of .

Variable Rate Home Equity Line of Credit


No minimum draw amount. Revolving line of credit with 10-year draw period. 15-year amortization after end of draw period.

Fixed Rate


$5,000 minimum draw amount. 5, 10, and 15-year terms available. Fully amortized principal and interest payments.

The easy and affordable way to finance your next home improvement project.

You have the freedom to use the funds at any time for any reason – home improvement, college tuition, paying off higher rate debt or anything else. There’s no excuse not to embrace your financial freedom today. 

Apply in person at any branch, by calling 206.298.9394, or with our online application.

*APR = Annual Percentage Rate. Actual APR will be based on creditworthiness, loan-to-value (LTV), and the owner occupancy status of the subject property. Maximum rate is 18%.

**Index=Wall Street Journal Prime Rate. 

***10-Yr Nominal Constant Maturity Treasury. EXAMPLE PAYMENT: Fixed Rate Segment: $156.39 a month based on a 5-year, $20,000 loan at 4.83% APR.

Subject to credit approval. Maximum LTV available based on approved credit and valuation of the property. Homeowners insurance required. Residential real estate only. Subject property must be located in Washington state and vested in borrower's name. To open your account, you must pay certain fees to third parties such as appraisers, credit reporting firms, and government agencies. These fees generally total between $0.00 and $700.00.