IMPORTANT ALERT: We’ve been made aware of text messages and phone calls being received this week regarding the temporary block of debit cards. Please do not respond to these messages. As a reminder, HAPO will never send text messages or call you asking for your personal information or your ATM PIN number. NEVER GIVE OUT YOUR PIN TO ANYONE! If you did provide any of your personal information such as card number or your PIN in response to one of these messages, please call us immediately. We can be reached at 509-943-5676 or 800-284-4276 during regular business hours.

AFTER HOURS SUPPORT: If you provided any personal information such as your card number or your PIN, please call 844-436-1752 to cancel your card immediately.

Home Equity Visa

Flexibility in the palm of your hand

It's time to cash in on all that equity you've built in your home. We offer a low rate Home Equity Visa card that is perfect for large home improvement projects or even those everyday necessities. You can maintain your flexibility with low monthly payments for continual purchasing power as you pay your balance.

Take a look at the HAPO Home Equity Visa benefits:


  • No cash advance fee
  • No balance transfer fee
  • 25-day grace period for purchases
  • Up to $100,000 line of credit*
  • Credit Line access for up to 10 years

*Payment is 1.25% of balance with a minimum payment of $15.00. Granting of minimum ($7,500) or maximum ($100,000) credit limit is contingent upon an adequate level of credit worthiness.

**The maximum annual percentage rate for a Home Equity VISA is 12.00%. Fees imposed when opening a Home Equity Visa range from approximately $1000-$1500.

For additional information, please stop by one of our financial center lending departments. Applications available at all HAPO locations for complete terms and conditions.

HAPO Mortgage/Home Equity Division 509-946-2044

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Added Bonus

Because this loan is tied to your home, you may be able to deduct the interest you pay each month.

Consult your tax advisor.

HAPO Locations

Stop into a local branch

Personalize You Card

Make it your own!

601 Williams Blvd. Richland, WA 99354
Phone: 509-943-5676