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PHONE: (925) 447-5001
ROUTING #: 321173072
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Home Equity Financing

Home Equity Line of Credit

A Home Equity Line of Credit (HELOC) is the perfect solution for unplanned expenses or consolidating high interest debt. You can also utilize your home's equity to fund an improvement project, vacation, or college education. Access your HELOC funds whenever you need with a check, transfer or withdrawal.

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We make it easier to create your dream home.

  • We pay up to $500 in closing costs3
  • Receive a rebate up to $300 on an early closure fee4
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  • A variable rate, revolving credit line that allows you to borrow as much as you need, up to your approved limit. You only pay interest on the amount borrowed.
  • Credit lines range from $10,000 to $400,000 to qualified buyers, up to 80% of the appraised value of your home, less the first mortgage1.
  • Ten year draw period, fifteen year amortized repayment.

Loan TypeTermsCurrent Indexed Rate
Owner Occupied
$10,000 to $400,000		10 year draw + 15 yr. repayment7.50% APR1
Non-Owner Occupied
$10,000 to $400,000		10 year draw + 15 yr. repayment8.50% APR2
1APR = Annual Percentage Rate. APRs are accurate as of January 1, 2025. 7.50% APR is the rate 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. 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.
2APR = Annual Percentage Rate. APRs are accurate as of January 1, 2025. 8.50% APR is the rate 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. 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.

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.
4. If the borrower is charged a fee for paying off another lender’s home equity line of credit, UNCLE CU will pay up to $300 of the early payoff fee. UNCLE CU will not pay other fees or charges associated with closing the other equity line such as reconveyance fees, principal or interest payments or accrued late charges. Rebate on early closure fee offer not valid on existing UNCLE CU Home Equity Lines of Credit.

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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. 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 August 29th, 2025

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