Home Equity Financing

Home Equity Line of Credit

Fund your home improvement projects, pay for college tuition or utilize your home's equity for other expenses, with an Interest Only Home Equity Line of Credit.

  • Credit lines available from $10,000 to $350,000- up to 80% of the appraised value of your home, less your first mortgage
  • Only pay interest on the amount you borrow
  • No annual fees

Get a rate as low as 2.75% APR* for the first 12 months! (Current indexed rate at 4.50%APR)

 *Quoted APRs accurate as of 7/1/17; subject to change without notice. Pay interest only during 10-year draw period, then 15 years of fully amortized payments. Lifetime maximum variable APR 15%. All loans are subject to credit approval. Available on owner-occupied California 1-4 unit residential real property only. Offer not available for refinances of existing UNCLE CU debt. Third party costs to establish a HELOC other than appraisal typically range from $50 to $1500. If Borrower closes UNCLE HELOC within 36 months of opening, Borrower will reimburse up to $500 in third party closing costs absorbed by UNCLE. Borrower must pay the cost of a full appraisal, typically between $325 and $825, if Borrower requests a full appraisal or applies for a credit limit over $100,000. UNCLE will reimburse up to $300 in early closing fees assessed by other lenders but will not absorb other charges imposed by other lenders.


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 January 17th, 2018

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