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Home Equity Lines of Credit Rates

HELOC Rates

Equity Merit - Home Equity Line of Credit (Variable Rate) | Effective Date: October 15, 2018
Loan Amount Maximum Loan to Value Margin APR*, Maximum APR*
Up to $250,000
80.00% 0.25% 5.25% 18.00%
Up to $200,000
90.00% 1.99% 6.99% 18.00%
Alternate Program (Variable Rate) | October 15, 2018
Loan Amount Maximum Loan to Value Margin APR*, Maximum APR*
$150,000 Maximum line
60.00% 2.50% 7.50% 18.00%
$50,000 Maximum line
60.00% 5.00% 10.00% 18.00%

Prime Rate Loan Index: 5.00%

Fee Schedule

Minimum Line Amount = $10,000

*APR = Annual Percentage Rate

Rate discount of 0.25% for automatic payment transfer available. Discount DOES NOT apply on any promotional rates offered.

"Interest Only" Payment Option Available (Loan to value up to 80% only)

No Third Party Fees. Up to $250,000

$500 origination cost is deferred until the 3rd anniversary date after the accounts is opened and is waived if the account remains open after that date.

Other options may be available, call 1-877-MERIWEST for details

Terms and Conditions (PDF)



Equity Merit Jumbo (Variable Rate) | October 15, 2018
Loan Amount Maximum Loan to Value Margin APR*, Maximum APR*
$750,001- $1,000,000
50.00% 0.75% 5.75% 18.00%
$500,001- $750,000 60.00% 0.75% 5.75% 18.00%
$250,001- $500,000 70.00% 0.75% 5.75% 18.00%

Prime Rate Loan Index: 5.00%

*APR = Annual Percentage Rate

Rate discount of 0.25% for automatic payment transfer available. Discount DOES NOT apply on any promotional rates offered.

"Interest Only" Payment Option Available

No third party fees

$1,500 origination cost is deferred until the 3rd anniversary date after the accounts is opened and is waived if the account remains open after that date.

Secured by Second Deed of Trust


Terms and Conditions (PDF)

View all loan rates
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You can also call us at 877-MERIWEST (877) 637-4937