Home Equity Line of Credit (HELOC)
Rates accurate as of October 30, 2026
Rates accurate as of October 30, 2026
| HELOC Special - 12 Month Introductory Rate | Interest Rate | Annual Percentage Rate (APR) | Loan Fee | |
|---|---|---|---|---|
| LTV - Up To & Including 80% Open/Close | ||||
| LTV - Up To & Including 80% | 5.250% | 5.250% | $0 | Contact a Loan Officer |
| HELOC Special - 12 Month Introductory Rate | Interest Rate | Annual Percentage Rate (APR) | Loan Fee | |
| Post Introductory Rate | ||||
| LTV - Up To & Including 80% Open/Close | ||||
| LTV - Up To & Including 80% | 8.000% Variable | 8.000% | $0 | Contact a Loan Officer |
Get an introductory rate as low as 5.25% Annual Percentage Rate (APR) for twelve (12) months when you apply before promotion ends. After the introductory period, any and all remaining outstanding balances will automatically convert to a variable APR, which is computed by adding the Wall Street Journal Prime Rate plus our margin of 1.00% and would currently be 8.00%. We have an APR minimum (floor) of 4.00%. The maximum APR is 18.00%.
This limited-time special offer is subject to change or withdrawal at any time without notice. Home Equity Line of Credit is only available in Washington state.
*Maximum Loan Amount is $400,000
FEES AND CHARGES. To open and maintain a line of credit, you must pay the following fees to us:
Maintenance: $50 (due annually). Note that some fees may only apply upon the occurrence of an event and have been provided for informational purposes only.
You must also pay certain fees to third parties, such as appraisers, credit reporting firms, and government agencies. These fees generally total between $1,487 and $3,432. We offer a closing cost credit of up to $500 to offset these fees, not to exceed actual closing costs.
Olympia Federal Savings reserves the right to charge the customer a fee, as allowed by law, for any check tendered to Olympia Federal Savings that is not honored and returned to Olympia Federal Savings for any reason including, but not limited to, a stop payment order, insufficient funds or an over the limit draft. You must carry insurance on the property that secures the line of credit.
