Lock in Signature Membership for 2019
What's Your Signature Score?
As we head into the holidays and gear up for 2019, make sure to check your Signature Relationship Scorecard to continue enjoying all the benefits that come with Wescom Signature Membership such as:
- Fee-free checking*
- Discounts on auto loans
- Fee waivers
Check Your Scorecard Today
Follow these steps to see what your Signature Score is:
- Log in to eBranch
- From the Menu, click Signature Member
- Your Signature Relationship Activity will appear with your Current Relationships on the right-hand side — check to see if you're on track for 2019
*The $8 monthly service fee is waived for New Members for the first 90 days, Youth Accounts, members age 18 to 25 who are active eBranch users (used the service in the past 30 days) and who have opted out of paper statements, members age 60 and older, and Platinum and Signature Members.
How Will You Use Your Wescom Home Equity Line of Credit (HELOC)?
Apply Today and Choose What Works for You
What does your to-do list look like? We'll help you check it off with a Wescom HELOC, which lets you borrow against the equity of your home to help fix up your space, pay off high interest debt, cover tuition, or take a much needed vacation.
Benefits of a Wescom HELOC
- Introductory APR of 1.99%* for the first 6 billing cycles, thereafter a variable APR as low as 5.00%
- Borrow up to 90% of the value of your primary residence**
- 0.125% APR* discount for enrolling in automatic payments from a Wescom Checking Account
- Close your loan in less than 30 days
- No origination fees†
- Borrow up to 70% of the value of your vacation home, second home, or investment properties**
- Earn three Signature Relationships toward Signature Membership***
*APR = Annual Percentage Rate. To be eligible for the 1.99% fixed introductory APR, you must not have had a Wescom HELOC or Home Equity Loan within the last six months. The fixed introductory rate is only available for primary residences and maximum Combined Loan to Value of 85%.
**Based on combined balances of all mortgages and current value of the subject property.
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. Rates and terms subject to change without notice. Loan approval subject to credit evaluation.
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, if any. The maximum Rate and APR over the life of the loan is 17.90%. The minimum Rate and APR over the life of the loan is 3.00%. Monthly payments will decrease or increase corresponding to changes to the Rate. The HELOC is a 30-year loan term. The first 10 years is the draw period in which interest only payments are allowed, followed by a 20 year repayment period at fully amortized principal and interest payments.
†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 $695 processing fee may be due to the Credit Union upon payoff and closure of the loan.
$75 annual fee on our HELOC is waived the first year and for Platinum Signature Members. A HELOC is secured by your Primary Residence, Second Home, or Non-owner Occupied real estate property. Call for more details.
Wescom makes Home Equity Lines of Credit in California only.
Celebrate International Credit Union Day®
Visit a Wescom Branch on Thursday, October 18
On October 18, 2018, join us as we celebrate the 70th anniversary of International Credit Union Day (ICU) Day® — a day we reflect on the history and mission of the credit union movement. Part of this mission is to improve the communities in which we serve through charitable service. This year, on ICU Day, members are invited to a Wescom branch for a celebratory treat. Wescom will also be making a donation to Credit Unions for Kids®, a nationwide alliance benefiting Children's Miracle Network Hospitals®.
About Children's Miracle Network Hospitals
For more than 30 years, Children's Miracle Network Hospitals has been dedicated to providing care for children who need it most by operating more than 170 hospitals in the United States and Canada. Nine of these hospitals are located in California, including Children's Hospital Los Angeles and Children's Hospital of Orange County. To learn more about Credit Unions for Kids visit cu4kids.org.