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Home Equity Financing

Non-Owner Occupied Home Equity Line of Credit

Ready for your next project?

Use your fund for any purpose.

  • Receive a rebate up to $300 on an early closure fee1
  • Rate: Prime +1% (current 4.25%)2
  • We will pay up to $500 in closing costs3
  • 10 year draw period, 15 year amortized repayment
  • 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 $250,000 to qualified buyers, up to 65% CLTV.
Family Carrying Boxes Into New Home On Moving Day

Review our current HELOC rates.

1.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
2. APR=Annual Percentage Rate. APRs accurate as of 04/01/19. Rates, terms and conditions are subject to change without notice. Home equity lines up to $250,000 at 65% combined loan-to-value (CLTV); non-owner occupied California 1-4 residential real property only. The APR cannot increase to more than 18.00% and will not fall below 4.50%.  Minimum credit of $10,000 required. Offer subject to credit qualifications. No annual fee. Ask an UNCLE representative for more information.
3. 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.

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 April 10th, 2020

Uncle Credit Union BBB Business Review