Home Equity Loans

Leverage the equity you have in your home

United Federal Credit Union’s home equity products could be the key to consolidating your debt, making home improvements, taking a great vacation, buying a new car or accessing emergency cash:

  • No closing costs or origination fees*
  • Lower rates than other forms of credit
  • Get a 0.25% rate discount with auto pay from UFCU checking accounts
  • Convenient Visa® card access for lines of credit
  • Possible tax deductions***

Home Equity Line of Credit Loan

Rates as low as




Home Equity Line of Credit (HELOC)


A HELOC is a line of credit that lets you borrow against the equity you have in your home. As a revolving line of credit, there is no set number of payments and the credit can be used repeatedly. This means you can:

  • Borrow as much or as little as you need, up to your established credit limit
  • Access your funds at any time
  • Access your funds via: online, mobile or telephone banking; any UFCU branch; by using your Visa® access card
  • Replenish your credit amount as you repay your balance
  • Choose from two variable rate payment options: principal and interest or interest only


Click here to view our HELOC Terms and Conditions.


Home Equity Installment Loans


A home equity installment loan is a one-time loan that is secured by your home and provides you with the ability to borrow a fixed dollar amount against the available equity you have in your home. With a home equity installment loan, both the interest rate and the monthly payments are fixed for the entire term of the loan.

Financial Calculators

Use these interactive calculators to guide you to the right loan for you.

Calculate Loan



Our equity loans are currently not available in the states of Alaska, Hawaii or Texas.
*Waiver of fees is conditional and $250 may be charged for early termination.

**APR=Annual Percentage Rate. Loan subject to credit approval. Loan amount up to 90% of combined-loan-to-value ratio. Property insurance required. Rates vary between 4.50% APR and 14.00% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Rates accurate as of 3/1/2018; rates may vary. Rate shown not available in all states. Actual rate may vary. Account features a variable periodic rate, maximum of 18.00% APR.

***Consult a tax advisor regarding deductibility of interest.

NMLS ID# 471962

More Lending Options from UFCU


Finding the right mortgage is as important as finding the right home. Let UFCU help you discover your dream today.

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Personal Lines of Credit

Similar to a credit card, your funds become available as you pay down your balance with no annual fees or transfer fees.

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Visa® Credit Cards

Empower your shopping and banking with Visa® cards from UFCU. We have a convenient, competitive option for you.

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