Last week I asked them about the prime rate HELOC and it was at 6%. I told them that prime is at 5.25%. He insisted that they get their prime rate from the wall street journal and it is 6%. I checked with the wall street journal prime rate and it is 5.25%. Are they just behind by a month or are they using a different prime then most banks? I bank with SDCCU and applied for a HELOC with WAMU because they are offering prime-.25% (which is 5%). You have to check SDCCU weekly/monthly specials for home loans. The specials are always better then their current rates.