Skip to content

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.

We make it easier to create your dream home.

  • No closing costs2
  • Receive a rebate up to $300 on an early closure fee3

Get a rate as low as 1.99% APR1 for the first 12 months!

(Current indexed rate at 3.25% APR1)

  • 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 $350,000 to qualified buyers, up to 70% of the appraised value of your home, less the first mortgage.
  • Ten year draw period, fifteen year amortized repayment.
Father And Son Sit On Sofa In Lounge Using Digital Tablet

Review our current HELOC rates.

1. APR=Annual Percentage Rate. APRs accurate as of 04/01/20. 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 $350,000 at 70% loan-to-value (LTV); Owner occupied California 1-4 residential real property only. After the introductory period, the rate will adjust to the variable rate then offered by UNCLE Credit Union. The APR cannot increase to more than 15.00%. The APR will not decrease below 3.50% after the introductory period. Minimum credit line of $10,000 required. Offer subject to credit qualifications. 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 June 4th, 2020

Uncle Credit Union BBB Business Review