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
0.00
%
APR *

Standard
Variable Rate Line of Credit1

Rates as Low as
8.00
%
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.

 

Frequently Asked Questions3

How do I access the funds of my home equity line of credit?
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How does a home equity line of credit (HELOC) work?
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What's the difference between a credit card and a home equity line of credit?
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When does the introductory rate on the home equity line of credit start? How long does it last?
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How long does my home equity line of credit stay open?
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What is the highest rate that a home equity line of credit can have?
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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.