Home Equity Loans Put your home’s equity to work for you...

Option Equity Line of Credit (variable)

as low as (click for rates & terms)

6.25 % APR*

Advantage Equity Loan (fixed)

as low as (click for rates & terms)

4.74 % APR*

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the perks of a Qualstar home equity loan: 

  • Choose an equity loan based on the convenience & features you prefer
  • Always a competitive rate with NO set-up costs**!
  • Non-owner occupied options available Possible tax deduction (consult your tax advisor)

Imagine the possibilities 
Looking for an affordable and convenient way to get those needed home improvements done, consolidate your high-rate credit cards, or what about that dream vacation you’ve been thinking about? Qualstar offers two home equity loans to help whatever dreams you have come true!

Family in kitchen with dog

Advantage Equity loan

An Advantage Equity loan is for our members who want a fixed-rate equity loan without the line of credit option. Receive a lump sum distribution – when you want all the funds at once! The minimum loan amount is $10,000 with a maximum of $400,000.1 Or, if you own a rental property, we also offer a non-owner occupied version of this loan with loan amounts ranging from $10,000 to $300,000.

1 Advantage Equity payment Example: Loan amount of $50,000 at 6.74% for 180 month term has an estimated Principal & Interest payment of $441.69.
 

Option Equity Line of Credit

An Option Equity Line of Credit works the same as traditional line of credit loans, however it also gives you the option of making the minimum interest only payment or interest with principal payment. With this choice, your payments are lower when they need to be, and you can pay on the principal balance when you have the extra cash. Available in Washington, Oregon, Idaho and Alaska only.

Own a rental? Take advantage of our non-owner occupied loan option with access up to 70% of the equity in the home. 

For your primary residence, you can access up to 80% of the equity in your home, and if your first mortgage is at Qualstar, you can access up to 85% (LTV is also based on credit approval.)  This is an interest only payment option loan with amounts ranging from $5,000 to $400,000.

Enjoy the convenience of accessing your line of credit: