Upgrade to 0% Interest

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No Interest for 3 Months

Refinance your HELOC and get 0% intro APR for the first 3 months** (as low as 8.00% APR* thereafter) when you advance $20,000 at the time of funding!

Get even more flexibility with these helpful options:

  • Make interest-only payments during your draw period
  • Renew draw period up to two times (maximum total of 15 years)
  • Convert balance to a fixed-rate home equity loan2

Refinancing with UWCU

There’s a lot more to love about us than our stress-free process and no-interest offer:

Low Closing Costs, No Hidden Fees
It shouldn’t cost you money to save money. You won’t pay annual fees, prepayment penalties or other unfair charges.

Easy Access to Funds
Access your line of credit from Web Branch 24/7, request checks or visit a branch for a cashier’s check.

Local Experts at Your Service
No matter where your HELOC’s from, your financial goals or your current situation, we’re here to help.

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 Questions

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.