Home Equity Loans

Your home's been holding out on you. Use the hard-earned equity you’ve built to finance your next big thing.

Rates

Key Features

  • Competitive Rates
  • Anytime Funds
  • Revolving Credit
  • Local Processing
Apply Now

Make a Splash - From Fixer Upper to Summer Stunner

Ready to turn your home's equity into something unforgettable?

As low as

4.99%^ APR‡

For the first 6 months 

 As low as

7.50% - 12.50%

Variable APR‡ thereafter

With our limited-time six-month introductory rate Home Equity Line of Credit, you can fund what matters most

  • Transform your house into your dream home with renovations or upgrades that enhance comfort and value.
  • Consolidate high-interest debts into one manageable payment and reduce financial stress.
  • Cover life's big moments like a wedding, college tuition, or plan family vacations. 

Your home already holds the key. Start your application in online or mobile banking, click Apply Now below, or visit one of our locations today. Offer ends August 30, 2025!

‡Annual Percentage Rate (APR). ^Promotional rate assumes excellent credit history and up to 80% Combined Loan-to-Value. $10,000 minimum draw on date of funding required for intro rate. The introductory rate is fixed during the introductory period. The introductory rate is valid for six months from the date of origination. Promotion not valid on existing WestStar Credit Union Home Equity Line of Credit loans. Maximum loan amount $250,000. For loan amounts exceeding $100,000, property appraisal is required, with fees typically ranging from $600 - $750. Must be principal residence. All loans are subject to credit approval, income verification, and property valuation. Rate and loan amounts are based on credit worthiness. Ask for further details. Offer ends August 30, 2025. Rates, terms, and conditions can change at anytime and without notice. WestStar Credit Union membership with a minimum balance is required to borrow. Mortgage Loan Origination Officers are licensed through the National Mortgage Licensing System (NMLS). WestStar Credit Union, NMLS ID #456635, originates mortgages at 2775 S. Rainbow Blvd., Las Vegas, NV 89146 and can be reached at 800-729-9328. We Do Business in Accordance With the Federal Fair Housing Law and Equal Credit Opportunity Act.

  • Turn your home equity into cash you can use for nearly anything
  • Competitive variable rates1 for several ongoing or seasonal needs:
    • Major home improvements
    • Education expenses
    • Major life events
    • Debt consolidation
    • Emergency reserve
    • And more!
  • The existing equity in your home is used as collateral backing
  • The interest paid might be tax deductible2
  • Borrow as much as 95% of your home’s value*
  • Funds available anytime over the course of 10 years without reapplying; apply once, then use repeatedly thereafter
  • Includes 20 year repayment term+
  • Revolving credit — as principal is repaid, more becomes available for use
  • Make advances over the phone, via online or mobile banking, or in-person at any branch or service center
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

View Rates

  • Turn your home equity into cash you can use for nearly anything
  • Lump sum disbursement upon closing - right into your account to use immediately!
  • Competitive fixed rates for several ongoing or seasonal needs:
    • Major home improvements
    • Education expenses
    • Major life events
    • Debt consolidation
    • Emergency reserve
    • And more!
  • The existing equity in your home is used as collateral backing
  • The interest paid might be tax deductible2
  • Borrow as much as 90% of your home’s value*
  • Local decision-making and processing
  • Attentive, friendly service from start to finish

View Rates

Apply Now

1Variable rate is based on Wall Street Prime, and is subject to quarterly change. Rates are determined by individual credit standing and appraisal value.

2Consult your tax advisor regarding the deductibility of interest.

*Home value is determined with an appraisal. Loan limit requests $100,000 and above, and full appraisals requested by the borrower, are subject to appraisal fees due at the time of application. Minimum loan amount $10,000. Maximum loan amount $250,000

+HELOC term is a fixed 20 year term, with payments adjusting based on line of credit balance and remaining term. Funds may be drawn from the HELOC within the first 10 years. Unlimited withdrawals available, with a minimum of $500 each.

We Do Business in Accordance With the Federal Fair Housing Law and Equal Credit Opportunity Act. NMLS ID #456635.

What's Next Out West

Check out our newest promos and events!

Stay in the know