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Home Equity Financing

Home Equity Line of Credit

Reimagine your space.

Utilize your home's equity to fund an improvement project, vacation, or college education with a Home Equity Line of Credit through UNCLE Credit Union.

As low as 1.99% APR1 for the first 12 months!

Current indexed rate at 3.50% APR1

We make it easier to create your dream home.

  • UNCLE pays up to $500 in closing costs2
  • Receive a rebate up to $300 on an early closure fee3
  • 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 mortgage.
  • Ten year draw period, fifteen year amortized repayment.
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Review our current HELOC rates.

1. APR = Annual Percentage Rate. APRs are accurate as of 04/01/21. Rates, terms and conditions are subject to change without notice. 1.99% fixed APR is the introductory rate for the first 12 months for home equity lines up to $400,000 at 80% loan-to-value (LTV); Owner-occupied California 1-4 residential real property only. After the fixed rate introductory period, the variable APR cannot fall below 3.50% or increase above 15.00%. Minimum credit line of $10,000 required. All loans are subject to credit approval. No annual fee. Ask an UNCLE representative for more information.
2. 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. “No Closing Costs” offer not valid on refinances of existing UNCLE Home Equity Lines of Credit.
3. 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. Offer not valid on existing UNCLE CU Home Equity Lines of Credit.

Contact Us

If you can't find what you're looking for on our site, give us a call at 800-34UNCLE or visit our Contact page for all the details.

Routing Number

UNCLE Credit Union's Routing / Transit number is: 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 May 8th, 2021

Uncle Credit Union BBB Business Review