Apply for a Home Equity Line of Credit (HELOC)
A Wescom HELOC lets you borrow against available home equity while enjoying an Introductory 3.99% APR for the first 12 months2. After the introductory period, a variable APR of 7.50% to 10.75% will apply. Platinum Signature Members also enjoy no annual fees.1 Convert balances using our Fixed-Rate conversion feature and receive a 0.50% APR discount on converted balances.6 Need funds for a down payment while selling your current home? HELOC Flex can help bridge the gap.7
Benefits and Uses of a HELOC
A Wescom HELOC can help you:
With flexible access to available home equity, a HELOC can provide financing solutions for both planned expenses and unexpected opportunities.
| Introductory Rate | |
|---|---|
| Rate | 3.99% Intro APR2 Introductory rate for the first 12 months from account opening. 7.50% APR to 10.75% APR Variable APR after the introductory period. |
| Borrow up to | |
|---|---|
| Rate | 80% of the value of your primary residence3 |
| Origination Fees and Closing Costs | |
|---|---|
| Rate | None4 |
| Signature Relationship Points Earned | |
|---|---|
| Rate | Three5 |
| Introductory Rate |
3.99% Intro APR2 Introductory rate for the first 12 months from account opening. 7.50% APR to 10.75% APR Variable APR after the introductory period. |
|---|---|
| Borrow up to | 80% of the value of your primary residence3 |
| Origination Fees and Closing Costs | None4 |
| Signature Relationship Points Earned | Three5 |
Get Started with Your Wescom HELOC Loan
You may be eligible to enjoy an Introductory 3.99% APR2 for the first 12 months from account opening, then a variable rate currently low as 7.50% APR to 10.75% APR. The Introductory Rate is not available on Investment, Rental or Second homes. All applicants must meet qualifying criteria to be eligible.
Based on the entries above, you may qualify for:
| Credit Limit Up to | Variable Rate APR As Low As |
|---|---|
This calculator is designed to provide estimates using the information provided above and does not constitute an offer or a commitment to lend. Refer to our website for current rates and terms. Your interest rate and terms may differ based on our credit evaluation and final loan approval. We do not guarantee the accuracy of the calculator or its applicability to your circumstances.
The home you are looking to use for a HELOC must:
• Be a primary residence, second/vacation home, or investment property located in California
• Not be under construction at the time of application
• Not have a first mortgage that is a reverse mortgage
This HELOC offers a 10-year draw and 20-year repayment period with a variable rate tied to the Prime Rate index plus a margin. Available credit amounts range from $15,000 to $1,000,000, with a floor rate of 3% and a maximum APR of 17.90%. Other restrictions and conditions may apply.
HOME EQUITY CALCULATOR
CALCULATE A HOME EQUITY LINE OF CREDIT PAYMENT
PAYING OFF A HOME EQUITY LOAN OR LINE OF CREDIT
USE HOME EQUITY FOR A MAJOR PURCHASE
CONSOLIDATING DEBT WITH HOME EQUITY
Choose a HELOC Option That Works for You
Explore flexible borrowing options designed to fit how you plan to use your home equity.
Compare HELOC Options
Buy a New Primary Home with a HELOC Flex7
A HELOC Flex, similar to a "bridge loan" or "swing loan," is designed to help you leverage the equity in your existing primary residence for your next primary home purchase.
Lock In with a Fixed Rate HELOC6
After your Introductory Rate, take advantage of our HELOC Fixed Rate Conversion option, which allows you to lock in all or part of your balance into a fixed rate with a 0.50% APR discount. With our HELOC Fixed Rate Conversion feature, you can:
DISCLOSURES
APR (Annual Percentage Rate) in effect as of 04/13/2026. Rates and terms are subject to change without notice. Membership eligibility required. All loans are subject to approval.
The Home Equity Line of Credit is a variable rate loan. The Rate and APR will increase or decrease monthly based on a comparison of the loan's Rate to the Prime Rate index plus the margin. The maximum APR over the life of the loan is 17.90%. The minimum APR over the life of the loan is 3.00%. Monthly payments may vary and decrease or increase corresponding to changes to the APR. The rate or margin you qualify for is based on various factors including your credit rating and the combined loan-to-value (CLTV) of your property. Maximum combined loan-to-value of 80%.
Certain fees, conditions and restrictions may apply. Home Equity Lines of Credit are secured by your home. If you’re paying off an existing real estate loan, the Credit Union does not cover costs imposed by other lenders, if any. Property insurance is required.
1 $75 annual fee on our Equity Line is waived the first year and for Platinum Signature Members and is secured by your Primary Residence. For more information about Signature Membership, visit Signature Membership page, or call for more details.
2 To be eligible for the 3.99% introductory APR, you cannot have a current Wescom HELOC on your primary residence. 7.50% APR to 10.75% APR is the current standard variable APR that would apply if this special rate was not offered. The introductory rate is only available for owner-occupied primary residences with a combined loan-to-value at or below 80%. After the introductory period (the first 12 months from account opening), your rate will revert to the variable rate calculated as stated in your Agreement. The rate or margin you qualify for is based on credit qualifications and the combined loan-to-value (CLTV) of your property.
3 Based on combined balances of all mortgages and current value of the subject property Wescom makes Home Equity Lines of Credit on primary residences, second/vacation and investment homes in California only.
4 Wescom will cover most closing costs associated with a HELOC which may include: credit report, title insurance, flood certification, settlement/closing, recording, property search. If a full appraisal is requested by the member to validate the property value obtained, the cost will be paid by the member. If the line of credit is paid off and the loan is closed during the first thirty-six (36) months following the date of the Note, a processing fee to reimburse the Credit Union for closing costs associated with the HELOC will be due to the Credit Union upon payoff and closure of the loan. The processing fee ranges from $750 to $2,500 depending on the loan amount of the HELOC. Not available with the HELOC Flex.
5 Signature Membership terms and conditions apply. For more information about Signature Membership, visit Signature Membership page.
6 The HELOC Fixed Rate conversation (FRC) option allows members with a new or existing HELOC to convert a portion or the entire outstanding balance into an amortized term segment of their choice at a fixed interest rate. If you choose to convert any portion of your balance to a Fixed Rate Conversion (FRC), the 0.50% APR discount will be applied to the HELOC variable rate (Prime Rate plus a margin) that is in effect on the date of conversion. Members may have up to three separate FRCs open on their HELOC at any one time. HELOCs currently within a special Introductory Rate period are not eligible for the FRC until the introductory period has ended. The minimum APR for a FRC is 6.00%. Your APR on an FRC may be higher depending on the rate specified in your Agreement. Terms and conditions apply.
7 Terms and conditions apply. Contact the Credit Union for details.
Wescom Financial NMLS ID 999430
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