A HELOC That Works (Almost) as Hard as You

When it comes to getting projects taken care of around the house, a little help can go a long way. When it comes to paying for those projects, a low rate can go even further. We want to help with a low rate, so we’ve been working on something for you.

Here’s the rundown:

  • Open a new HELOC with us and receive a promotional rate as low as 3.99% APR* when you use your equity between now and June 30th 2019. (After June 30, 2020 your promotional rate will return to your qualifying line of credit rate as low as 5.50% APR for any new advance.)
  •  Those funds are then locked in at your promotional rate until June 30th, 2020.
  • You can access your equity by electronic transfer or checks.

That’ll help knock out some of those projects! Or pay for college. Or just be there for when and if you need it. What you do with it is up to you, we’ve just made sure that the rate works as hard as you.

Ready to get to work?


Open a HELOC Account

*APR = Annual Percentage Rate. This product is a variable-rate line of credit with the ability to lock in a rate and term on advances when they are made. To lock in the promotional rate, funds need to be accessed before June 30, 2019. The promotional rate is good on those funds until June 30, 2020. After June 30, 2020 your promotional rate will return to your qualifying line of credit rate as low as 5.50% APR for any new advance. The rate on the line of credit is subject to change monthly on the 1st day of the month, based on the Wall Street Journal Prime Rate + your qualifying margin. After the draw period of 10 years, the loan must be repaid over a 15-year amortized repayment period. No Closing Costs other than 3rd party costs for lines under $250,000.00. Appraisal costs and additional title policy costs will apply to all lines from $250,000 -$500,000. Application must be received on or before June 20, 2019. Standard underwriting guidelines apply. Promo APR of Prime -1.51% (5.50 % as of 03/01/19) for advances done prior to June 30th 2019. Balances owed as of June 30th 2019 will be fixed at the promotional rate until June 30th 2020. Thereafter, an APR on 80% or less LTV loans will be Prime + 0(5.50% as of 03/01/19); 80.1 – 90% LTV loans will have an APR of Prime + .5% (6.00% as of 03/01/19. The maximum APR is 18%. Rates vary based on qualifying credit tiers. Rates after the promotional period may vary and they are indexed to the prime rate (5.50% as of 03/01/19 with qualifying credit score of 740+). Homeowners insurance is required. Third Party Closing costs apply. Property must be primary residence in the State of Colorado. Not valid for existing PMCU HELOC’s. Membership required.