Now it’s easier than ever!
Rates have dropped recently which makes now a great time to tap into your home’s equity with a Home Equity Line of Credit – especially when you take advantage of our special 0% introductory offer:
0% APR on Lines Up to $400,000
Enjoy 0% Intro APR1 for the first 3 months,** returning to a variable rate as low as 6.25% APR* thereafter!
Need More Info?
Our lending experts can help you decide whether a HELOC is right for you.
Ready to Apply?
Start your application easily online and get a decision from our team quickly.
A HELOC from UW Credit Union comes with:
- No hidden fees
You won’t pay an annual fee or prepayment penalty.* - Low or no closing costs*
We keep it simple, you keep more of your money. - Get ongoing access to cash over a 5-year draw period
Then, take up to 15 years to pay off your balance. - Option to convert to a fixed-rate2
Convert your variable rate to a fixed rate and get predictable monthly payments.
Special Offer: 3-Month Intro Rate Home Equity Line of Credit.1
Standard
Variable Rate Line of Credit1
Variable Rate Line of Credit1
Why are HELOCs a Smarter Way to Borrow?
When major expenses come up, homeowners with HELOCs don’t need to rely on high-interest credit cards or take out a personal loan to cover the costs.3
You can simply tap into your line of credit and make it happen. Because the amount of cash you use from your HELOC is up to you, you’ll only pay back only what you used, and any interest associated with that amount.
A home equity line of credit is a super flexible borrowing tool that’s available when you need access to cash.
Use It For (Almost) Anything
Consolidate debt, make home improvements, cover surprising bills and just about anything else.
Just Like a Credit Card (But with Lower Rates!)
Withdraw cash when you need it and only pay interest on what you borrow—just at a much lower rate than the average bank credit card.3
Support When You Need It
Our experts are here for you, from well before you apply to long after you’re approved. Ask us anything: we’ve got you covered.
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 using our convenient online process.
3
Submit & Finalize
Our team will review your app and get your funds secured.
"When our HELOC became a reality, it was like an enormous weight was lifted off our shoulders. We’ve finally gotten rid of the high-interest debt and can see a clear path to saving for our future."
- Forrest & Juliet, UW Credit Union Members
Get in Touch
It's about more than getting a great rate — our team of local lending experts in Madison and Milwaukee are here to help before, during and after the HELOC or Home Equity Loan process. Have a question? Submit a question form to be contacted by an expert, or schedule a no obligation appointment below.
ITIN Lending - UW Credit Union is proud to accept ITIN for HELOC applications.