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Refi Your HELOC, Get 0% Interest

No Interest for 3 Months

Get 0% intro APR¹ for 3 months** (as low as 7.00% APR* thereafter) if you're borrowing up to $200,000.

For lines more than $200,000, get 3.99% intro APR¹ for 6 months** (as low as 7.00% APR* thereafter)!

Take advantage of our low closing costs* and no hidden fees. Plus, our local experts make refinancing easy.

Enjoy a low intro rate and much more, including:

Low or no closing costs.* We keep it simple, you keep more of your money.
Easy access to your funds. Transfer money from your line to your UWCU checking account from Web Branch.
No hidden fees. You won’t pay an annual fee or prepayment penalty.
All your financial tools in one place. Manage your HELOC with ease alongside your other UWCU accounts.

Get Started

Special Offer: 3-Month Intro Rate Home Equity Line of Credit.¹

Rates as Low as

0.00

APR *

Standard
Variable Rate Line of Credit¹

Rates as Low as

7.00

APR *

Great Benefits

You already know how valuable your HELOC is but when you refinance, you unlock even more potential:

Reset Your Draw Period

With a new draw period, you could delay the repayment period and its higher required principal payments.

Enjoy a New Term

Tackle another big project, consolidate lingering debt or bank financial flexibility for the future with a brand-new term.

Increase Your Limit

If you’ve paid down your mortgage balance, have increased your income or your home’s value has risen, you could get a higher limit.

Frequently Asked Questions²

How do I access the funds of my home equity line of credit?

When does the introductory rate on the home equity line of credit start? How long does it last?

How long does my home equity line of credit stay open?

What is the highest rate that a home equity line of credit can have?

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.

Get Started

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 process. Have a question? Submit a question form to be contacted by an expert, or schedule a no obligation appointment below.