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Home Equity Line of Credit Loan

You're in control with a UCU Home Equity Line of Credit. You can use your credit line all at once or a little at a time and you'll always be ready to take advantage of a great opportunity or cover any emergency. UCU has several great Home Equity Lines of Credit options.

Interest-Only Home Equity Line of Credit

    Interested in a Fixed-Rate Home Equity Loan?

    Click to find out more.
  • Loans up to 70% CLTV
  • Credit lines up to $150,000
  • Low 12 month introductory rate of 3.25% APR*; currently at 5.00% APR
  • Low "interest only" payments
  • Low closing costs and no annual fee
  • Access to your funds (draw period) for 10 years -- use convenience checks, Home Branch or come to our branch

Standard Home Equity Line of Credit

  • Loans up to 70% CLTV
  • Credit lines up to $150,000
  • Low 12 month introductory rate of 3.25% APR*; currently at 5.00% APR
  • Low closing costs and no annual fee
  • Draw period for 5 years

Equity Plus Home Equity Line of Credit

  • Loans up to 90% CLTV
  • Credit lines up to $50,000
  • Low variable rate
  • Low closing costs and no annual fee
  • Draw period for 5 years


Get started today. Check out our current rates, complete the online Pre-Qualification Application or call a Real Estate Loan Representative at (310 477-6628, ext 2304.


*Introductory rate for 12 months. At the end of the introductory rate period, the rate will convert to the non-discounted variable annual percentage rate schedule, currently at 5.00% APR (and, based on this rate, has a maximum rate of 11.00% APR) for 70% Combined Loan-to-Value (CLTV). "Interest only" payments are available during the 10-year draw period. Rates effective 1/1/14. Rates subject to change quarterly.

All loans listed are available only to members residing in California and on primary member residences (single-family, owner-occupied detached dwellings, condos, or townhouses) in the following counties: Los Angeles, Orange, Ventura, Riverside, San Diego and San Bernardino. Our Home Equity Lines of Credit are based on the available equity in the home. Some restrictions may apply. Call for full details. Loans issued subject to credit review.

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Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
Your savings federally insured to at least $250,000 through the National Credit Union Administration (a U.S. Government Agency) and backed by the full faith and credit of the United States Government.
University Credit Union is an Equal Housing Lender.
University Credit Union is an Equal Housing Lender.

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Loan Services

Applications:

Home Equity Loan pre-qualification application

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For more information, please e-mail us or call (310) 477-6628.