APR = Annual Percentage Rate. Rates as of 01/01/2025.

1. 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.

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. Rebate on early closure fee offer not valid on existing UNCLE CU Home Equity Lines of Credit.

3. The fixed APR 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.  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.