Introductory home equity line rates as low as 1.99% APR for 18 months

If you’re dreaming of a kitchen remodel, a new addition to the house or a backyard oasis, 1st United can help spruce up the place with a home equity line of credit. With no annual fee, no closing costs and introductory rates as low as 1.99% APR for 18 months, we think it’s the perfect time to spring into action.

Of course, you're not limited to a home remodel. A home equity line of credit can be used for tuition, income taxes, debt consolidation—anything you wish.

Our home equity line of credit features:

  • Introductory rates as low as 1.99% APR for 18 months with a $15,000 initial advance
  • Current rates as low as 4.000% APR 
  • No points
  • No annual fee
  • No fees or closing costs for loans between $15,000 and $250,000

Lock it in

Hurry! Lock in this great introductory rate before it expires June 30, 2020.

 View Rates

Current APR (Annual Percentage Rate) is as of March 19, 2020, may be subject to adjust monthly, is variable based on the Prime Rate (index) currently at 3.25% as of March 16, 2020 and is calculated by the Prime Rate plus a 0.75% margin. Introductory rate is as low as 1.99% which includes a margin discount of 1.26% and requires a $15,000 initial advance. Early repayment within 18 months will disqualify the initial advance discount. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions. Best rate quoted for primary residence. Fees may apply for loan amounts over $500,000 on primary residence. Rental property rates available. California properties only. No fees and no closing costs applies to loans with a minimum loan amount of $15,000 and maximum loan amount of $500,000 for primary residences, rental, second or investment homes. Closing costs apply for loan amounts above $500,000 for primary residences, rental, second or investment homes. Loan-to-value up to 80% for primary homes and up to 70% for rental, second or investment homes. Loans are subject to credit approval. An early closure fee of $350 will apply if the loan is paid off and closed within the first two years. Offer not valid to refinance existing 1st United CU loans. Lifetime cap is 6.000% above current fully indexed rate, not the intro rate. Payments based on 1% of the outstanding balance.