Get a Low Rate Home Equity Line

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With a 6-month introductory rate on new HELOCs, financing your big plans is easier and more affordable.


Dream big. Borrow better. Pay less. 

You've worked hard to make your mortgage payment every month—and now it's time to reap the benefits.

With a home equity line of credit (HELOC), you can borrow money at a low rate based on the amount of equity you have in your home. Think of it like a credit card: you withdraw funds when you need them, and you'll only pay interest on what you withdraw. Plus, you can use it for just about anything, from home improvements to debt consolidation and so much more.

And for a limited time, you'll get a 3.49% interest rate for the first six months of your loan** when you advance $20,000 at the time of funding! After those six months, you'll shift into a low standard rate (as low as 7.25% variable APR*).

  • Enjoy freedom from frustrating fees. You won't pay an annual fee* or prepayment penalty.
  • Get ongoing access to cash and a 5-year draw period. If your big project doesn't have an immediate end in sight, don't worry—your HELOC is with you for the long haul. 
  • Secure a lower interest rate than other loans. You'll start with an introductory rate of 3.49% for six months. Then, it'll shift to a variable rate as low as 7.25% for the remainder of its life.
  • Get the option to convert your balance into a fixed-rate loan2Once your introductory rate expires, you'll be able to lock into a fixed-rate loan! With rates on the rise, this is a great way to guarantee a low rate and financial peace of mind.

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If you don't want to immediately advance $20,000 at the time of funding, you're not out of luck! We're also offering HELOCs with 6-month variable intro rates as low as 3.99% APR (as low as 7.25% variable APR* thereafter) and lower withdrawal requirements.

A man working on a home renovation project

Special Offer: 6-Month Introductory Variable Rate Line of Credit1

Rates as Low as

Standard Variable Rate Line of Credit1

Rates as Low as

Introductory and standard rates shown are available to homeowners with 70% or lower LTV. Contact a UWCU loan expert for information on your rate eligibility.

How do I get my HELOC?


Claim Your Intro APR

Then, see what your rate could be (as low as 7.25% APR*) after the first 6 months of your HELOC. Checking your rate won't affect your credit score.


Choose Your Loan & Apply

Select the option that works best for you and complete your application.



Submit & Finalize 

Our team will quickly review your application and get your funds secured.

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Have questions or need help? 

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