Home Equity


Do more with your home equity!

You’ve put a lot into your home. Let it return the favor. No fees. No complicated applications. No closing costs.

Simple 1st Mortgages

Our Simple 1st mortgages are perfect if you're looking to refinance your current home or access your home equity with a fixed rate, a fixed payment, and no closing costs. If you plan on retiring in the short term and want to enter retirement mortgage-free, use our Simple 1st mortgage to help.

Fixed Rate 2nd Mortgages

If you know how much you need to borrow and you're looking for a reliable, fixed rate with up front funds, our home equity loans may be the right solution for you. Available in a variety of terms up to 95% CLTV (Combined Loan to Value). See rates for details.

Home Equity Line of Credit (HELOC)

Designed for maximum flexibility with a 10-year draw period, our open-ended HELOCs function like a credit card. Borrow what you need, pay it back, and pay interest on what you borrow. This line of credit comes with a variable interest rate and it utilizes available equity in your home.

What makes our home equity lines so simple?

No fees. No complicated applications. No closing costs. Learn more: 253-565-9895 x210 or Email: HomeLoans@TAPCOcu.org

Apply Now See Rates

Happier Banking 101

Get closer to your goals by tapping into your home equity. Whether it’s a home improvement project, a kitchen remodel, new paint, or paying off high interest debt, we'll guide you through our Home Equity product line in our Happier Banking 101 video.

Play Video

For all home equity loans and lines of credit: APR = Annual Percentage Rate. Homeowner is required to pay taxes and insurance. Financing only available on refinanced, owner-occupied homes in Washington State. Combined first and second mortgages must be less than $417,000. Only first or second liens are eligible. No closing costs except appraisal if required. If borrower closes the loan within 36 months from its opening date, the borrower will be required to reimburse TAPCO for closing costs. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, LTV, and collateral conditions. All loans subject to approval. Must be a TAPCO member with a minimum savings balance of $25. TAPCO NMLS #504286


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