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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 9-month introductory rates as low as 7.49% APR¹ for owner occupied and as low as 8.49% APR² for non-owner occupied 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
9-month Introductory Rate7.49% APR18.49% 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 04/01/2024. Available as of 04/01/2024; subject to change or cancellation without notice.
1. The fixed APR which is 1.01% below Prime rate is the introductory rate for the first 9 months 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. After the promotional period ends, rates will vary based on Wall Street prime. 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 which is 1.01% below Prime rate + a margin of 1.00% for the first 9months 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. After the promotional period ends, rates will vary based on Wall Street prime plus 1.00%. The variable APR cannot fall below 4.50% or increase above18.00% (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 36months 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. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS ID 729232.
Rates shown are current as of July 17th, 2024

Uncle Credit Union BBB Business Review