ChoiceLine Home Equity

ChoiceLine Home Equity

A better home and garden. You bet.

You’ve been waiting to freshen up your home. Maybe some updated paint, new floors, an outdoor living space, or an entire makeover. Whatever your project or passion, TwinStar’s ChoiceLine home equity line of credit is there when you need it. Credit lines are available up to 100% of your home’s value, and promotional rates are as low as 4.0% APR.

Apply online now, visit one of our 20 branches, or give us a call at 1-800-258-3115.

*ANNUAL PERCENTAGE RATE (APR) is a promotional rate that applies to new advances posted to a TwinStar ChoiceLine Home Equity account between March 4, 2019 and May 31, 2019. Stated promotional rate is based on original loan to value of 80% or less and excludes mobile homes. Based on the original loan to value and structure type, your promotional rate may vary. Advances posted at the promotional rate will accrue at the promotional rate until December 31, 2019. Effective January 1, 2020, the non-promotional variable rates will go into effect. Non-promotional rates may vary and will not exceed 18% APR over the life of the loan. Loans are subject to credit approval. Appraisal may be required to establish value; minimum appraisal fee of $750. Property must be owner occupied, not subject to sale, and located in the states of Washington or Oregon. Property insurance is required. Other conditions or limitation may apply. A $300 early termination fee is applied if loan is closed in the first 12 months. TwinStar Credit Union is an Equal Housing Opportunity Lender.

The ChoiceLine Home Equity account, also known as a HELOC, offers the convenience and flexibility of a large credit line and allows you to re-use the funds as you pay the balance. You make the choice-draw on your variable rate line of credit whenever you need or lock in part (or all) of the outstanding balance at a fixed rate and term.

ANNUAL PERCENTAGE RATE (APR) on ChoiceLine Equity is as low as 5.50% based on a maximum 80% loan-to-value on a borrower's stick built primary residence. Higher APR on manufactured homes classified as real property and on loan-to-values exceeding 80%. Variable rates are subject to change monthly and will not exceed 18% APR over the life of the line of credit. Draw period for line is 10 years. Value method and cost determined during application process. If a property appraisal is required borrower pays for appraisal costs. Fixed term advances may be taken under the line of credit during the draw period. Ask us for current rates and terms.