Home Equity Loans | Fixed-Rate HELOC | Inspirus Credit Union

PLAN AHEAD. From 5 pm, October 30 through the morning of November 2, our team will be working hard to migrate your information and accounts into Gesa's systems as part of our merger. Our Member Contact Center, Digital Banking, and Mobile Banking will be unavailable during this transfer. Our Member Contact Center and branches will reopen on November 2. There's always the chance it will take longer than expected, in which case some services may not be available until the transfer is complete. Thank you for your patience as we go through this exciting update together.

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Home Equity Loans

You've invested in your home, now invest in you.

There are many great ways to use the equity in your home to your advantage. Many people use it to make home improvements, pay for education, pay off debts, go on a dream vacation, or invest elsewhere. Our team is here to help make the most of your home equity.

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Home Equity

For members who want to borrow a certain amount of money up front and would like to have fixed payments, our Home Equity Loan may be right for you.

  • Up to 90% CLTV
  • Up to $250,000 loan amount
  • Various term options
  • Pay your loan off sooner with extra principal payments
  • Option to make automatic payments from Credit Union accounts

The Fine Print

Inspirus Credit Union, a Division of Gesa Credit Union will finance a fixed-rate, one-time loan advance using the equity in a member’s primary residence as collateral for the loan. The property must be located in Washington, Oregon or the following counties in Idaho: Benewah, Bonner, Boundary, Clearwater, Kootenai, Latah, Lewis, Nez Perce or Shoshone. Appraisal may be required. Loan value restrictions apply. Minimum loan amount is $20,000. All rates and terms offered are dependent on credit qualification, are subject to loan to value guidelines, and are subject to change. Contact Inspirus Credit Union, a Division of Gesa Credit Union for full program details.

Home Equity Line of Credit (HELOC)

For those who want the flexibility to borrow against their home as they need it or to have access to funds for emergencies, our Home Equity Line of Credit could be a solid choice.

  • Up to 90% CLTV
  • Up to $250,000 loan amount
  • Balance can be pre-paid without penalty
  • Transfer funds to other Credit Union accounts

The Fine Print

Inspirus Credit Union, a Division of Gesa Credit Union will finance a line of credit using the equity in a member's primary residence as collateral for the loan. The property must be located in Washington, Oregon or the following counties in Idaho: Benewah, Bonner, Boundary, Clearwater, Kootenai, Latah, Lewis, Nez Perce or Shoshone. The interest rate is variable and based on Prime rate as published in the Wall Street Journal plus a margin. Annual Percentage Rate can adjust quarterly. Minimum loan amount is $10,000. Annual fee of $30 applies during draw period. Closing fees will be paid by the member. Property insurance is required. All rates and terms offered are dependent on credit qualification, are subject to loan to value and debt to income guidelines and are subject to change. Contact Inspirus Credit Union, a Division of Gesa Credit Union for full program details.

Three ways to apply

  • Complete your application online
  • Call a Member Service Representative at 509-942-6170