Home Equity Offer
No Closing Costs on a Home Equity Line of Credit
Plus rates as low as 5.500% APR
Whether you’re planning home improvements, covering a major expense, or preparing for what’s next, now is a great time to put your home’s equity to work. For a limited time, take advantage of no closing costs on eligible home equity financing from 1st United, plus rates as low as 5.500% APR on a Home Equity Line of Credit.
With flexible access to funds, no prepayment penalties, personalized service, and a local team by your side, we’re here to help you move forward.
Home Equity Line of Credit
Rates as Low as
5.500% APR
Why Choose 1st United for Your Home Equity Financing?
Competitive Rates
Flexible access to fundsNo Closing Costs
Limited-time offer on eligible home equity financingLocal Service
Guidance from a team you can trustAccess the rates, guidance, and local support you need to move forward with confidence.
APR (Annual Percentage Rate) as of July 29, 2026 and Prime Rate (index), currently at 6.75% as of December 11, 2025 minus a 1.250% margin and may be subject to adjust monthly. Rates valid up to 80% combined loan-to-value (CLTV) on primary homes and up to 75% for second or investment homes. Investment property rates available. Offer valid on new Home Equity Loans and Lines of Credit for approved applications received August 1, 2026 through October 31, 2026. For loan amounts up to $400,000 and in second lien position, 1st United Credit Union will pay closing costs including appraisal fee. For loan amounts over $400,000 and all first lien home equity loans and lines of credit, the borrower is responsible for appraisal fees, 1st United Credit Union will pay eligible lender fees, including processing and underwriting fees. Offer excludes refinancing of existing 1st United home equity loans and lines of credit. Loan must close within 30 days of the application date to qualify. Rate may increase depending on your credit qualifications. California properties only. Lifetime cap is 6.000% above current fully indexed rate. Payments based on 1% of the outstanding balance. We do not finance mobile or modular homes. Rates may be higher for 3-4 unit properties. 1st United Credit Union membership required to obtain credit. Membership information available at 1stunitedcu.org/join. Equal Housing Lender. NMLS# 594075.
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