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Wanigas Credit Union
Wanigas Credit Union
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Home Equity Loans

Is it time to put the equity you’ve been building up in your home to work for you?
Wanigas Credit Union offers both fixed home equity loans and variable lines of credit as easy ways for you to borrow money when you need it.


Oh The Possibilities (image) with pictures of Home Equity remodeling. Call Wanigas for details

*Valid only on one unit single family primary residence for loan amounts of $10,000 and greater. Loans currently financed with Wanigas CU are not eligible for this offer unless the balance increases by $10,000 or more. Cannot be combined with any other offer. Borrower must qualify under normal Home Equity loan guidelines. Some restrictions may apply. Offer valid April 1, 2019 through June 30, 2019.


  • Fixed rate loans for 10- or 15-year terms
  • Available on single family homes, condominiums, manufactured and duplex homes
  • Allowed on primary and secondary homes
  • We’ll lend up to 95% of the appraised value of your home
  • Non-refundable appraisal fee is collected when you apply (usually around $450)
  • Loan amounts up to $100,000


  • Variable rate – based on Wall Street Journal Prime Rate
  • We’ll lend up to 90% of the appraised value of your home 
  • Available on single family home, condominiums, manufactured and duplex homes
  • Allowed on primary residence only
  • Loan amounts up to $100,000
  • No minimum advance or balance
  • Affordable payments that are amortized between 180 to 360 months
  • $50 annual fee
  • Easy access with convenience checks, EZ Telephone Banking and online banking
Loan-To-Value Up To APR as low as* Maximum APR

Home Equity Line Of Credit - Variable Rate

90% 5.500%* 16.000%

*APR = Annual Percentage rate. Rates listed represent our best rate and are subject to credit approval. Member's rate may vary from the above rate and will be determined after a review of the credit history.

Applying for a Fixed-Rate Home Equity Loan or Line-of-Credit

When you apply for a home equity loan or line of credit, you’ll need:

  • Proof of income for all borrowers like a recent paystub, Social Security statement or pension statement
  • W2s and tax returns for the last two years
  • Current property tax bill
  • Homeowner’s insurance information

You can apply for a Wanigas Credit Union home equity line of credit using the Wanigas Mobile App, over the phone or stop by one of our branches today.

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National Credit Union Administration Equal Housing  Opportunity This Credit Union is federally insured by the National Credit Union Administration.
Equal Housing Lender, we do business in accordance with Federal Fair Lending Laws.