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Home Equity Loans and Lines

Dream the Very Possible Dream!

Enjoy low rates and higher credit limits to finance home improvements, college, a wedding, going green - you name it.

  • Loan amounts up to $250,000 for any reason
  • Fixed and variable rates
  • Low or No closing costs
  • Low minimum monthly payments
  • Interest payments may be tax deductible when using your loan for home improvements

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  Home Equity Line of Credit Fixed-Rate Home Equity Loan
Which loan is right for you? Great choice if you're borrowing needs will vary over time. Ideal for a one-time project - like a kitchen or bath remodel -- where a lump-sum of cash is desired
Terms 10-year draw and 15-year repayment period Up to 25 years
Rates View Rates


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All loans subject to credit approval. Rates, terms, and conditions subject to change without notice. Must be owner-occupied, single-family residence or 1-4 story condominium in California only.
Home Equity Line of Credit
No-closing costs are offered on HELOCS per the terms below and are available on fixed-rate home loans for a slightly higher rate. USECU will cover the following closing costs (fees): flood certification, title insurance, escrow, credit report, condo processing, mortgage recording, notary, trust documentation, release of third-party mortgage and an Automated Value Method (AVM). If the loan is closed within three years of origination, an Early Account Closure Fee of $500 will be assessed to recover to cost of the fees paid by credit union. A Reconveyance Fee is charged when the line is closed and the balance is paid in full. The $50 Annual Fee is waived the first year and assessed on each annual loan anniversary date; thereafter if the outstanding balance falls below $10,000. An optional appraisal may be required based on the AVM findings, the requested loan amount and Loan-To-Value (LTV). If an appraisal is ordered, the actual cost will be paid by you.