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HOME EQUITY LINE OF CREDIT

Open the doors to savings with a HELOC from UNCLE Credit Union

Our Story

Whether you're leveraging the equity from your primary home, vacation home, or rental property, we're currently offering as low as 8.50% APR¹ for owner occupied and as low as 9.50% APR² for non-owner occupied on HELOCs.

Find the funds you need with a HELOC and use them for any purpose:

  • Home renovations and repairs
  • Consolidate debt
  • Cover educational expenses
  • Emergencies
  • Real estate down payment
  • And more

Start exploring your borrowing options today.

Owner Occupied HELOC1Non-Owner Occupied HELOC2
Current Indexed Rate8.50% APR19.50% APR1
Credit line range$10,000 to $400,000$10,000 to $400,000
Combined loan-to-value limits80%75%
Draw period10 year draw period
15 year amortized repayment
10 year draw period
15 year amortized repayment
Only pay interest on the amount borrowedYesYes
We will pay up to $500 in closing costs3YesYes

View our current rates on HELOCs, home loans, personal loans, and more.

APR = Annual Percentage Rate. APRs accurate as of 01/01/2024.
1. The fixed APR for a home equity line up to $400,000 at 80% combined loan-to-value (CLTV); Owner-occupied California 1-4 residential real property only.  The variable APR cannot fall below 3.50% or increase above 15.00% (variable rates). Minimum credit line of $10,000 required. All loans are subject to credit approval. No annual fee. Ask an UNCLE representative for more information. Other limitations may apply.
2. The fixed APR for a non-owner-occupied home equity line up to $400,000 at 75% combined loan-to-value (CLTV); Non-Owner-Occupied California 1-4 residential real property only. The variable APR cannot fall below 4.50% or increase above 18.00% (variable rates). Minimum credit line of $10,000 required. All loans are subject to credit approval. No annual fee. Ask an UNCLE representative for more information. Other limitations may apply.
3. UNCLE Credit Union will pay closing costs up to $500. If the loan is paid off within 36 months of origination, borrower must reimburse third party fees paid by UNCLE CU to originate the line. Third party fees are estimated between $500 – $1,000.
NMLS ID Number is 729232. Equal Housing Lender.
UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the U.S. Government. National Credit Union Administration, a U.S. Government Agency. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Rates shown are current as of March 4th, 2024

Uncle Credit Union BBB Business Review