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Personalized guidance for your smooth homebuying journey.

Rates

Current Home Loan Rates

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Cost-Saving Real Estate Tools

CUSTOM FIT HOME EQUITY

Line of Credit + Loan Segments

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Home Loans

Refinance

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Our Team

Mortgage Advisors

Custom Fit Home Equity

Variable APR3 starting 7/1/2026, 
currently 8.24% to 10.49%.  

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with our free homebuyer workshop.

Join us for a virtual session to learn key insights and start your homebuying journey with confidence.

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“I emailed Sandora at midnight on Friday. She contacted me first thing Saturday morning and got right to work on my request and continued to work on it all weekend. I’m very impressed with her abilities and acumen, and I highly recommend her and Salal for all your home loan needs.”

–Jeremy H.

Salal Mortgage Member

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Download your free Homebuying Guide.

We asked our experienced Mortgage Advisors to create this comprehensive homebuying roadmap, breaking down the homebuying journey into simple steps—in language you don’t have to be an expert to understand. It’s a great first step toward buying your next home with confidence.

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Thinking of buying a home? Here’s a great place to start—and it’s always free. Learn what to expect, what you can afford, how much money you’ll need to put down, and what your future mortgage payments might look like.
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Salal
HomeAdvantage

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Mortgage
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Homebuyer
Checklist

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Connect with Experienced Local Real Estate Agents

HomeAdvantage® from Salal Home Lending makes finding experienced local real estate agents simple and stress-free.
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Pay Off Your Mortgage with a HELOC?

Could a HELOC help you pay off your mortgage faster and for less? Maybe—but it depends on your rates.
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How Does a Home Equity Line of Credit Work?

Wondering if a HELOC is right for you? Our guide breaks down how it works, its benefits, and how to get started.
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Routing Number: 325081610
PO Box 75029, Seattle, WA 98175
Salal CU NMLS #416045

Equal Housing Opportunity Federally Insured by NCUA

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All Salal loans are subject to credit approval, not all will qualify. Credit Union eligibility required.

Home loans are available for properties located in CA, CO, ID, NV, OR, UT, and WA.

Rates are current as of 9:30 a.m. PT on April 29, 2025 and are subject to change without notice.

¹APR = Annual Percentage Rate. Available in CA, OR, and WA only.

²During introductory period: 4.99% introductory APR for when the line of credit is first funded through June 30, 2026. Introductory APR available for new Custom Fit accounts only; Investment and second properties are not eligible. Applications must be received April 15, 2025 – June 30, 2025, to be eligible. 

³After introductory period – Starting July 1, 2026: Index=Wall Street Journal Prime Rate. The APR is variable and may change during the term of the loan. The minimum APR is 3.24% and the maximum APR is 18.00%. Actual APR will be based on creditworthiness, loan-to value (LTV), and the owner occupancy status of the subject property. After the introductory APR ends, on July 1, 2026, the line of credit interest rate will decrease by 0.25% if 2,500 Salal Rewards points are redeemed at the time of application for the Custom Fit Home Equity Line of Credit.

Subject to credit approval; not all will qualify. Rates effective as of 4/15/2025. Loan amount and HELOC combined loan-to-value (HCLTV) subject to occupancy status; Max. loan amount $300,000 with max HCLTV of 75%. Max. LTV based on approved credit and property valuation. Homeowners insurance required. Residential real estate only. Subject property must be in CA, OR, or WA state and vested in borrower’s name. Should an appraisal be a loan requirement, applicants pay half of the fee (approx. $350–$450); all other application fees are covered by Salal. Credit Union membership is required. Interest may be tax-deductible. Consult a tax advisor regarding the deductibility of interest.

⁴Rates and offer subject to change without notice. Offer only available to consumer accounts, business accounts are not eligible. APY accurate as of 4/1/2025. Minimum balance $1,000. Offer available on consumer 9-month standard or IRA certificate of deposit (CD) for a limited time only; Interest Rate/APY=3.83%/3.90%. Interest rate will receive a 0.25% increase on a new 9-month standard or IRA CD when 2,500 Salal Rewards Points is applied at account opening; Or interest rate will receive a 0.25% increase on a new 9-month standard or IRA CD when a minimum of $10,000 in new money is applied at account opening; Interest Rate/APY=4.08%/4.16%. New money is defined as deposits not held by Salal Credit Union as of 15 calendar days prior to the application for the certificate of deposit. Salal Rewards Points 0.25% interest rate increase and new money 0.25% increase cannot be used concurrently on the same 9-month standard or IRA CD. A penalty may be imposed for early withdrawal. Fees may reduce earnings on the account. Salal Credit Union membership required.

Schedule a Free Homebuyer Planning Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

Schedule a Free Homebuyer Planning Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

Schedule a Free Mortgage Review Session

Fill out the form below and one of our Mortgage Advisors will get back to you within 1-2 business days. Their recommendations come with no obligation.

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