Home, Equity & Land Loan Rates

Mortgage Loans

Rates Effective: 01/19/2020

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Per the Secure and Fair Enforcement (SAFE) Act, Nationwide Mortgage Licensing System (NMLS) registration information is available by request.

*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, and rate received are based on the applicant’s credit qualifications. Payment Example: Loan amount of $225, 000 at 5.000% for 30 year term has an estimated Principal & Interest payment of $1,207.85. Mortgage loan insurance may be required and may increase the payment.

Approved rate and term are based on applicant’s credit history and Qualstar’s lending guidelines. Maximum 70% LTV. A full appraisal may be required; in such cases the appraisal fee is charged and collected up-front from the member. No escrow account required. Applies to both owner occupied *and non-owner occupied properties in Washington, Oregon and Alaska. No set-up fees are charged to the member at funding. Set-up costs paid by the Credit Union range from $200-$500, depending on the transaction, will be reimbursed by the member if the loan is paid off and closed within 3 years of opening. Please refer to the Fees page for more information about fees associated with this product. Flood/hazard certificate and property insurance required. Consult your tax advisor regarding the tax deductibility of interest. Payment Example: Loan amount $75,000 at 4.375% for 120 month (10-year) term has an estimated Principal & Interest payment of $772.95.

Type Rates From* Rates Up To* Terms/Other Info.
First Mortgage (purchase or refinance) Click
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Terms vary; available in Washington (existing and new members), Oregon and Alaska (existing Qualstar members only) state
Fast Track Home Loan (to 70% LTV)** 3.500% 5.250% Fixed rates; a full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Limited to WA, OR and AK owner-occupied properties. Loan amounts up to $250,000
Non-Owner Occupied Fast Track Home Loan (to 70% LTV)** 4.000% 5.750% Fixed rates; a full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Limited to WA, OR and AK non-owner-occupied properties. Loan amounts up to $250,000

Home Equity Loans

Rates Effective: 05/26/2021

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*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, and rate received are based on the applicant’s credit qualifications. Payment Example: Advantage Equity Loan of $50,000 at 6.74% for 180 month term has an estimated Principal & Interest payment of $441.69.

**No set-up fees are charged to the member at funding. Set-up costs paid by the Credit Union range from $200-$500, depending on the transaction, and will be reimbursed by the member if the loan is paid off and closed within 3 years of opening. A loan origination fee of 1% of the loan amount (or credit limit if a HELOC) will also be charged in addition to the closing costs ($150 – $500) if the loan is paid off and closed within the first 12 months. Please refer to the Fees page for more information about fees associated with this product. Flood/hazard certificate and property insurance required. Consult your tax advisor regarding the tax deductibility of interest.

Type Rates From* Rates Up To* Terms/Other Info.
Option Equity (to 70% LTV)** 3.50% 5.25% Interest-only line of credit. Variable rates, Prime -.50% to +2.50%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $5000, max. $400,000. Available in WA, OR and AK.
Option Equity (to 80% LTV)** 3.50% 5.75% Interest-only line of credit. Variable rates, Prime -.50% to +2.50%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $5000, max. $400,000. Available in WA, OR and AK.
Option Equity (to 85% LTV)** 4.75% 5.75% Interest-only line of credit. Variable rates, Prime -.50% to +2.50%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. A full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $5000, max. $400,000. Available in WA, OR and AK.
Advantage Equity (to 70% LTV)** 4.49% 7.99% Fixed rates; a full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $10,000, max. $400,000 . Available in WA, OR and AK.
Advantage Equity (to 80% LTV)** 4.99% 8.99% Fixed rates; a full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $10,000, max. $400,000. Available in WA, OR and AK.
Advantage Equity (to 85% LTV)** 6.99% 9.24% Fixed rates; a full appraisal is required for loan amount >$150,000; if required, the appraisal fee is charged and collected up-front. Loan amounts-min. $10,000, max. $400,000. Available in WA, OR and AK.
Non-Owner-Occupied Option Equity (up to 70% LTV)** 4.00% 5.25% Interest-only line of credit. Variable rates, Prime +.0% to +2.00%, adjusted quarterly; max. rate 18.00% APR; min. payment is interest due. Loan amounts-min. $5000, max. $300,000. Available in WA, OR and AK.
Non-Owner-Occupied Advantage Equity (to 70% LTV)** 4.99% 8.24% Fixed rates; loan amounts-min. $10,000, max. $300,000. Available in WA, OR and AK.

Land Loans

Rates Effective: 04/19/2019

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Per the Secure and Fair Enforcement (SAFE) Act, Nationwide Mortgage Licensing System (NMLS) registration information is available by request.

*Annual Percentage Rate. Rates and terms subject to change without notice. Loan approval, term, LTV max. and rate received are based on the applicant’s credit qualifications.

Type Rates From* Rates Up To* Terms/Other Info.
Finished Lots (up to 80% LTV) 6.00% 9.50% Purchase or refinance in WA State only. Full appraisal required. 1% funding fee.
Raw Land (up to 75% LTV) 7.00% 10.50% Purchase or refinance in WA State only. Full appraisal required. 1% funding fee.