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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.

7.49% APR1 for the first 9 months!

Current indexed rate of 8.50% APR1

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We make it easier to create your dream home.

  • Receive a rebate up to $300 on an early closure fee2
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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 mortgage.
  • Ten year draw period, fifteen year amortized repayment.

Review our current HELOC rates.

1. APR = Annual Percentage Rate. APRs are accurate as of September 1, 2023. 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. 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.
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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 October 4th, 2023

Uncle Credit Union BBB Business Review