Whether you're leveraging the equity from your primary home or second home, we're currently offering introductory rates as low as 6.24% APR¹ for owner occupied and as low as 7.24% APR² for non-owner occupied HELOCs for the first 6 months.
Find the funds you need with a HELOC and use them for any purpose:
- Home renovations and repairs
- Consolidate debt
- Cover educational expenses
- Unexpected holiday expenses.
- Travel funds
- And more
Start exploring your borrowing options today.
| Owner-Occupied HELOC1 | Non-Owner Occupied HELOC2 | |
|---|---|---|
| 6-month introductory rate | 6.24% APR1 | 7.24% APR2 |
| Credit line range | $10,000 to $400,000 | $10,000 to $400,000 |
| Combined loan-to-value limits | 80% | 75% |
| Draw period | 10 year draw period 15 year amortized repayment | 10 year draw period 15 year amortized repayment |
| Only pay interest on the amount borrowed | Yes | Yes |
| We will pay up to $500 in closing costs3 | Yes | Yes |
Other Information: Quoted intro and indexed APRs available as of 12/11/2025; available introductory and indexed APRs subject to change without notice. Not all approved applicants will qualify for lowest available introductory APR. (2) Second home must be owner-occupied at least 15 days of the year. Equity credit lines secured by 1 to 4-unit rental property available on similar terms; ask for details. UNCLE Credit Union reserves the right to change or cancel this offer at any time. All loans subject to credit approval. Minimum and maximum lifetime variable APRs 3.50% and 15.00% for HELOCs secured by primary residence; 4.50% and 18%.00 for HELOCs secured by second home. Costs to establish a HELOC range from $882.72 to$1,281.72. No annual fee. Other restrictions may apply. Equal housing lender. NMLS #729232.
View our current rates on HELOCs, home loans, personal loans, and more.
