We hope you are inspired to embark on your home project—and that we can help bring it to life.
$1,000 Cash + a Deluxe Planter Box Set!
$1,000 Cash + a Deluxe Planter Box Set!
Enter to win a Volkswagen ID. Buzz—plus monthly $500 prizes—by cruising through your everyday Columbia CU products and services! Enter our sweepstakes now for chances to win through October.
Enter to win a Volkswagen ID. Buzz—plus monthly $500 prizes—by cruising through your everyday Columbia CU products and services! Enter our sweepstakes now for chances to win through October.
Home equity can help you tackle big goals, handle the unexpected, or invest back into your home. Learn everything you need to know about home equity.
By understanding home equity and using it wisely, you can unlock financial opportunities while ensuring your long-term financial stability.
We’re making homeowning more affordable with a limited-time mortgage special! With our 3/6 ARM, we can give you more buying power or a better refinance deal that starts as low as 4.99% interest rate and 5.098% APR.³ Enjoy a fixed rate for the first 3 years, followed by an adjustable rate that may increase or decrease every 6 months.
When it comes to home lending, we’ve got you covered.
We’re making homeowning more affordable with a limited-time mortgage special! With our 3/6 ARM, we can give you more buying power or a better refinance deal that starts as low as 4.99% interest rate and 5.098% APR.³ Enjoy a fixed rate for the first 3 years, followed by an adjustable rate that may increase or decrease every 6 months.
When it comes to home lending, we’ve got you covered.
Pricing assumes approximately 1 discount point.
1APR=Annual Percentage Rate and is accurate as of April 1, 2026. Introductory APR is fixed for the first six (6) months of your newly opened Home Equity Line of Credit (HELOC). Introductory APR is available only on primary residences. Introductory APR is fixed and based on the Wall Street Journal Prime Rate minus a margin of 2.26% and has a minimum 1.99% APR. After the six-month introductory period, the minimum lifetime APR is 4.00% and the maximum lifetime APR is 15.00%. Non-introductory APRs are variable and are based on the Wall Street Journal Prime Rate plus a margin ranging from 0.75%-2.00% depending on your creditworthiness and combined loan-to value (CLTV). The APR can change quarterly on the 1st of January, April, July, and October based on the Wall Street Journal Prime Rate. No annual fee the first year, thereafter $50.
2Typical closing costs range from $50-$1,050. During the promotional period, Columbia Credit Union will waive the standard closing costs (Origination, Title, Flood, and Recording fees). The promotion does not apply to full appraisal costs or escrow fees, or any additional title fees, if required. Appraisal fees are to be paid upfront by the member in the event that the full appraisal becomes necessary. To qualify, applications must be received during the promotional period, April 1, 2026, to May 31, 2026. To qualify, the home equity loan or line of credit must be funded by June 30, 2026. Membership is required to borrow. Columbia CU HELOCs are subject to application and credit approval. Please consult your tax advisor regarding tax deductibility of interest and charges. Homeowner’s insurance is required. Equal Housing Opportunity.
³3/6 adjustable-rate mortgage (ARM): 4.99% interest rate is fixed for the first 3 years. Thereafter adjusts every 6 months based on the 6-month SOFR index plus a 3.00% margin. Rate and payment may increase subject to caps of 2% initial,1% periodic, and 5% lifetime. Maximum Interest Rate 9.99%.*Annual Percentage Rate (APR) 5.098%, accurate as of March 1st, 2026. Rates may vary based on creditworthiness. Offer available for a limited time and subject to change without notice. Applications must be submitted by May 31, 2026. Membership and credit approval are required.
