Do More with a 0% APR HELOC

Get Started

Meet the Smartest Way to Borrow

Take out a new home equity line of credit (HELOC) and get 3 months** of 0% intro APR1 (as low as 8.00% APR* thereafter) if you're borrowing up to $200,000. 

Advance at least $20,000 at the time of funding, then use it however you need: to consolidate debt, make home improvements and more.

For lines more than $200,000, get 3.99% intro APR1 for 6 months** (as low as 8.00% APR* thereafter)!

How Does It Work?

A HELOC works like a credit card: you get access to funds with a borrowing limit, and you draw from those funds when you want. You only pay interest on what you borrow, making it a great, affordable alternative to lump-sum loans.

Once you’re approved, accessing your funds is easy. Draw from your line on Web Branch, request checks or visit a branch for a cashier’s check.

You’ll also benefit from:

  • No or low closing costs*
  • No annual or prepayment fees
  • 5-year draw period
  • Option to convert balance to a fixed-rate loan2

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

Rates as Low as

Variable Rate Line of Credit1

Rates as Low as

Find Your Rate & Apply - It's Easy


View Your Rate

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



Choose Your Loan & Apply

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



Submit & Finalize 

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


Frequently Asked Questions3

How do I access the funds of my home equity line of credit?
How does a home equity line of credit (HELOC) work?
What's the difference between a credit card and a 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?

Get in Touch

Want to know more about using your home equity? Get in touch with our local experts and get the answers and advice you need.

ITIN Lending - UWCU is proud to accept ITIN for HELOC applications.