STCU: Home equity loan rates

	Home equity loan	Home equity line of credit
Variable annual percentage rate	N/A	As low as 8.24% APR (see #1)
Fixed annual percentage rate	As low as 8.24% APR (see #6)	As low as 6.99% APR for fixed advances (see #5)
Loan costs	Borrower pays (see #7)	STCU pays (see #4)
Maximum loan to value ratio	100%, (see #8)	90%, (see #2)
Maximum loan term	20 years	30 years (see #3)
Prepayment penalty	None	None

Notes for Home Equity Line of Credit

Rate may adjust as often as daily during the draw period and monthly during the repayment period based on changes in the Wall Street Journal (WSJ) Prime Rate plus a margin. Maximum APR is 18%.
- A 0.25% loan rate discount will be automatically applied to a loan to which you are primary and are in the same primary membership for each month you meet the Relationship Rewards checking Level 2 requirements. If you no longer meet Level 2 requirements the rate discount will be automatically removed. As the 0.25% loan discount may be removed based on qualifications, your interest rate may fluctuate.
The maximum loan-to-value is 90% of the calculated value. Maximum loan-to-value ratios may be different as determined by the individual creditworthiness of each applicant.
Draws may be taken at any time within 10 years. Draw period with interest only payments, followed by a 20-year repayment plan. During the repayment period, payments will be due monthly and will be amortized over 240 months. The minimum payment will change whenever the annual percentage rate changes in order to be paid in full during the repayment period.
STCU pays fees (excluding appraisal fee, if applicable). Reconveyance fee will be paid by the borrower and assessed at the time of payoff.
During the Advance Period, you may elect to "lock in" or convert a portion of your variable-rate outstanding balance to a fixed APR over a set term. The minimum amount that may be locked is $5,000 and the maximum term of the lock feature is 20 years. An origination fee may apply to the balance of the locked portion and if so, this fee will be disclosed at the time the lock feature is exercised. There is no limit to the number of times that the lock feature may be exercised but you may only have 3 locked balances at any given time. Example payment: $25,000 off a 5-year term will yield a monthly payment of $494.91 assuming an interest rate of 6.99%. Payments do not include taxes and insurance premiums. If applicable, the actual payment obligation may be greater.

Notes for Home Equity Loan

Home Equity Loan rate presumes an 80% loan to value and a 5-year repayment term. Other rates and terms may apply as determined by the individual creditworthiness of each applicant, loan terms longer than 5 years, and loan-to-values exceeding 80%. Example payment: $25,000 off a 5-year term will yield a monthly payment of $509.79 assuming an interest rate of 8.24%. Payments do not include taxes and insurance premiums. If applicable, the actual payment obligation may be greater.
Borrower pays all costs including third party fees. Existing STCU home equity loans are also subject to a 1% refinance fee or $100, whichever is greater. Reconveyance fee will be paid by the borrower and assessed at the time of payoff.
The maximum loan-to-value is 100% of the calculated value. Maximum loan-to-value ratios may be different as determined by the individual creditworthiness of each applicant.

The rates, fees, and charges shown are effective Saturday, July 5, 2025.

Rates shown above for the Home Equity Line of Credit and Home Equity Loan presume a loan-to-value of 80.00%. The rate shown for the Home Equity Loan also presumes a five-year repayment term. Other rates are available for longer terms or higher loan-to-values.

The above terms apply to owner occupied property. All STCU home equity instruments require verification of property ownership. Equity loans and lines are not assumable. STCU terms, conditions and rates are subject to change without notice. All loans are subject to approval.

For more information, please call us at (509) 326-1954 or toll-free at (800) 858-3750.

Equal Opportunity Lender