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Special Discounted HELOC Rates Special Discounted HELOC Rates

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Save with an extra low intro rate for 6 months, plus no closing costs or annual fees.

Enjoy Reduced Rates & No Surprise Fees

Open a home equity line of credit (HELOC) and receive a discounted introductory rate for 6 months, standard low rate thereafter.¹

And you'll save even more with:

No or low closing costs², no annual fees.
No prepayment penalties
Pay interest only on what you borrow
Option to convert your balance to a fixed-rate loan³

Typical uses for a HELOC include home improvements, emergency expenses, debt consolidation, tuition/education or vehicle purchase.

View Rates Compare Options

Intro - 6 Months Variable Rate Line of Credit¹

Rates as Low as

3.99

%

APR *

Standard
Variable Rate Line of Credit¹

Rates as Low as

7.25

%

APR *

Find Your Rate & Apply - It's Easy

1

View Your Rate

Get your personalized rate with no hidden fees and no obligation. Checking your rate will not affect your credit score.

2

Choose Your Loan & Apply

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

3

Submit & Finalize

Our team will review your app and get your funds secured.

Have Questions or Need Help?

Loan Tips & Articles

Explore helpful resources about home equity and other popular lending topics.

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Get a HELOC Rate Quote

Calculate how much home equity you have and what rates and products are right for you.

Get a rate quote >

Explore FAQs

Get answers to frequently asked questions around HELOCs and using the equity in your home.

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*APR is annual percentage rate. Rates are variable and subject to change. Rates shown are for homeowners with 70% loan-to-value.

¹ The introductory rate of 3.99% APR is valid for new UW Credit Union home equity line of credit requests for homeowners with up to 80% combined loan-to-value (CLTV). Intro rate is 5.49% for up to 90% CLTV and 7.99% for up to 100% CLTV. APR will be fixed at the introductory rate during the 6-month introductory period. After the 6-month introductory period, the rate is indexed to The Wall Street Journal Prime. APR is variable and subject to change monthly but cannot exceed 18%, and the APR will never fall below 3.99% for HELOC 70%, 4.99% for HELOC 80%, 5.49% for HELOC 90% or 7.99% for HELOC 100%. HELOCs with credit limits exceeding $400,000 do not qualify for the introductory rate. When refinancing an existing UW Credit Union HELOC, credit limit must be increased by $5,000 or greater to receive the introductory rate. No annual fees. Offer is subject to normal credit qualifications. Some restrictions may apply.

² The minimum loan amount is $5,000. The one-time processing fee that applies at closing varies by property location and amount. We apply a credit of $149 for newly booked HELOCs resulting in these fee amounts. The credit does not apply to refinances of existing UWCU HELOCs or to HELOCs with credit limits of $400,000 or more. Member is responsible for appraisal and title insurance costs, if required. Property insurance is required.

³Fixed Segment rates available on new and most existing HELOCs, see the Fixed Rate Conversion Option section of your HELOC addendum for feature eligibility. You may exercise up to a total of 5 options during the draw period of your loan. Each option must be exercised for an advance/balance of at least $5,000. The first option fee is waived. A $25 fee applies for each time you exercise the option thereafter.

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