Go to main content Online banking Username Password Enroll Now | Forgot password? Home Equity Line of Credit (HELOC) rates, fees, disclosures Home Equity Line of Credit (HELOC) rates Effective Date: Wednesday, November 24th, 2021 Loan type APR (Low)* APR (High) Term Home Equity Line of Credit (HELOC) 3.25% 4.25% Draw period of up to 10 years. After draw, repayment term of up to 15 years. Home Equity Line of Credit (HELOC) fees and closing costs Effective Date: Wednesday, November 24th, 2021 Fee type Essential Enhanced Premier HELOC annual fee $75 $50 $25 The HELOC annual fee is waived the first year. After that, the annual fee depends on your Member Merits category as shown in the table above. Closing costs vary between $0-$2000. $500 credit for closing costs — The amount of credit cannot exceed total closing costs. Repayment of credit required if the HELOC is closed by the borrower within three years from the date of the Deed of Trust or Modification of the Trust Deed. If appraisal is required, borrower(s) must pay for appraisal up front. Flood and/or property hazard insurance is required. Consult your tax advisor regarding the deductibility of interest. Other restrictions may apply. Organization NMLS #472475. Go to main navigation Related Links Become a member Benefits of membership Membership booklet Member Merits rewards program Truth in Savings disclosure The credit union difference Privacy policy Locate a branch or ATM Giving to community Video - Credit Union Day Play Video In this video members explain why Oregon State Credit Union is the right choice and a good example of the credit union difference. Accessibility assistance: If you have difficulty accessing or using any portion or function of our online or mobile channels, please call us at 800-732-0173 or email us. We will work with you to provide the information, item, or transaction you seek in a manner that we believe is accessible for you, as we are able. Branches Contact us Careers Site Map Oregon State Credit Union PO Box 306 Corvallis, OR 97339 Phone: 800-732-0173 | Routing number #323274270 | NMLS #472475 Contact Form Email Us Branch locations