Placeholder image

Holiday Hours

All United branches, including our Member Service Center will be closed Wednesday, January 1st. Access your accounts anytime via Digital Banking, Mya Voice Assistant, or ATMs. We wish you a safe and happy New Year!

How Much Can I Borrow with a Home Equity Line of Credit?

Discover how much you can borrow with a HELOC. Our HELOC calculator lets you estimate your line of credit based on home equity, helping you plan for home projects or consolidating debt.

home equity

loans and lines of credit

learn more Apply Now HELOC Rates
Select Your State
Today's HELOC rates in Indiana

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Michigan

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Nevada

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in North Carolina

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Ohio

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Pennsylvania

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Other States

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Arkansas

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Today's HELOC rates in Oklahoma

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Loan Amount Loan-to-Value Don't use APR1 As Low As* Spare2
$25,000 and above 80% or Less 7.75%
Less than $25,000 80% or Less 8.25%
6 Month Introductory Rate [2] 5.99%

[1] APR = Annual Percentage Rate. *Home Equity Lines of Credit are currently not available in Alaska, Hawaii or Texas. Equity loans up to 90% of home value. Loans over 80% of home value will incur a 1.00% APR premium in addition to the APR as low as rate listed above. Base rates vary by state, as low as 7.75% APR to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) based on Combined-Loan-To-Value (CLTV), line amount and credit score. Advertised rates include 0.25% discount with automatic payment from an Ultra or Rewards checking account. Account features a variable periodic rate, maximum of 18.00% APR. minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Property insurance required.

[2] This introductory APR applies only to new loans approved on or after 7/1/24 and is effective from the same date. The plan will convert to variable rate after the first 6 months. Your APR is then based on the Wall Street Journal prime rate and may adjust monthly. After the introductory period, the APR can range from 7.75% to 18.00% APR (17.00% APR in Arkansas and Oklahoma) based on the current Wall Street Journal prime rate. Approval and rate may vary based on credit history, term and security offered. Minimum qualifications for the introductory rate include 90% maximum combined loan to value and a minimum credit score of 640. Minimum loan amount of $10,000 is required to apply. Maximum loan amount possible is $300,000 for credit scores 640 and above. Must draw $15,000 or 40% of approved credit line, whichever is less, at time of closing. Rate discounts and premiums will not apply to the introductory rate but will apply to variable rate after intro period. Other restrictions may apply. Reimbursement of waived third-party fees required if closed within 24 months. Loan programs, rates, fees, conditions, and terms subject to change at any time and may be terminated without notice. It’s advisable to consult with a tax advisor regarding the deductibility of interest, and property insurance is required.

Apply for HELOC

we're here to help!


Looking for another calculator?
Understanding your current financial status can clarify both short and long-term goals. Our calculators help you get a clearer picture of where you are now financially, where you're headed, and what you can do to get there fast and with the best results.


all calculators

further reading

Advice Hub Article: Consolidate Debt

How to Consolidate Debt with a Plan

Advice Hub | 3/26/2022

Debt consolidation is important for a healthy financial future, and knowing how to consolidate debt is the first step to building an action plan.

Read Article

What's My Home Worth

Determining Your Home Value and How It Helps

Advice Hub | 7/29/2020

Knowing your home value gives you more control over these processes and provides clarity to future financial decisions.

Read Article

Get Creative With Home Equity

Creative Ways to Use Your Home Equity

Advice Hub | 5/14/2020

Most homeowners don't know much about home equity. Learn how your home equity can be a useful tool to eliminate debt and more.

Read Article

Home Equity vs Personal Loan

The Pros and Cons of Personal Loans and Home Equity Loans

Advice Hub | 5/14/2020

Both personal loan and home equity loan can provide the funding you need for covering unexpected or large expenses. Learn which one is right for you.

Read Article

Read More in Advice Hub