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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 7.49% APR¹ for owner occupied and as low as 8.49% APR² for non-owner occupied on HELOCs for the first 9 months.

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
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Owner Occupied HELOC1Non-Owner Occupied HELOC2
Introductory offerAs low as 7.49% APR1 for the first 9 monthsAs low as 8.49% APR2 for the first 9 months
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

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

View today's rates >
APR = Annual Percentage Rate. APRs accurate as of 09/01/2023.
1. 7.49% fixed APR 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, terms, and conditions are subject to change without notice. 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. 8.49% fixed APR is the introductory rate for the first 9 months 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 above 18.00% (variable rates). Minimum credit line of $10,000 required. Offer subject to credit qualifications. No annual fee. Rates, terms and conditions are subject to change without notice. Other limitations may apply. Ask an UNCLE representative for more information. Offers valid 09/01/2023 through 09/30/2023.
NMLS ID Number is 729232. Equal Housing Lender. 
UNCLE Logo - Dark Grey
2100 Las Positas Court
Livermore, CA 94551
(925) 447-5001
Routing # 321173072

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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 September 22nd, 2023

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