Home Equity Line of Credit as low as 3.88% APR*+ Fixed for First 6 months (6.00% Variable APR after Intro)

Even if the housing has slowed a bit, it doesn’t take much time to build equity in your home. You can use the equity in your home to take a winter vacation, remodel the kitchen, buy a car, start a business, or whatever tickles your fancy. And with a great introductory rate and a term you choose, you can't lose!

• Apply by phone: direct (360) 834-3611 or toll free
  (888) 834-3611
  
• Apply now by filling out the online loan application, or through Lacamas On-line if you have a Lacamas On-line login and password.
  
• Visit one of our local branches and apply in person

*APR (Annual Percentage Rate). Introductory rate: Available for new Home Equity Line of Credit only. The Introductory rate is fixed for the first 6 months. Non-introductory rate: Variable and the index used is the Wall Street Journal Prime rate as quoted on the last day of the 2nd month of the preceding quarter. Rates are adjusted quarterly, currently 6.00%. Maximum lifetime APR is 15%. Credit Union pays the closing costs, which include: flood determination, title insurance and recording fees, up to $300. Applicant pays appraisal if needed. The costs typically range from $0 to $300. There will be prepayment penalty of $300 if loan is paid off and closed prior to 3 years from loan origination. Primary residence only, maximum LTV is 80%. Membership requirements apply. Subject to application and credit approval.

+ Loyalty discount is available to any member that meets any one of the following criteria, if criteria is not met rate is 4.88% APR:
1. Minimum 5 years as a member.
2. LCCU Checking with Bill Pay
4. LCCU Checking with ACH deposit of Net Check
5. LCCU combined loan balance of $10,000 (prior to funding current request).