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Variable APR3 starting 7/1/2026,
currently 8.24% to 10.49%.
* Available in CA, OR, & WA only.
Home improvement
projects.
Down payment on a second house.
From funding home upgrades to consolidating your debt to save money, Custom Fit Home Equity gives you financial flexibility to make smart financial moves. And right now, your home equity dollars can take you even further during our special introductory HELOC rate offer.
Apply now until June 30, 2025, and get a 4.99% intro APR through June 30, 2026, on a new Custom Fit Home Equity line of credit. Starting on July 1, 2026, your home equity line of credit will switch to a variable APR, currently between 8.24% and 10.49%, based on the Wall Street Journal Prime Rate and your credit score.
It’s a hybrid—part home equity line of credit, part home equity loan. Custom Fit Home Equity combines the best parts of two traditional home equity solutions to give you more options.
You get a variable-rate line of credit that gives you quick access to funds when you need them. Plus, you’ll have the freedom to lock in a great rate on up to five fixed-rate loan segments at any time.
A variable-rate line of credit that gives you quick access to funds when you need them. You can access your variable-rate HELOC with a Salal credit card or checks. Your line of credit has no minimum draw requirement, so you won’t have to use it until you actually need it.
M–F: 9:30 a.m.–5:30 p.m. PT
Sat: 10:00 a.m.–2:00 p.m. PT (Bellevue CLOSED on Saturdays)
Learn and discover: See our FAQs and tutorials to get help with some of the most common questions and topics our members ask about.
Equal Housing Opportunity Federally Insured by NCUA
1APR=Annual Percentage Rate. Rates are current as of 9:30 a.m. PT on May 14, 2025 and are subject to change without notice.
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 properties and second homes 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 from $200,000 to $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.
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.
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.
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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