HELOC Holiday Offer

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Special Introductory HELOC Offer

Fall into the Holidays

With a Low Introductory Rate for 12 Months on a Home Equity Line of Credit

With the fall and winter holidays right around the corner, we're thrilled to offer a special discounted rate when you open and use a 1st United home equity line of credit by January 15, 2024.
5.99% APR
For 12 Months – Apply With Promo Code: HOLIDAY
After That, As Low As 
6.50% APR
You can use the discounted funds for holiday spending, paying off debts, or even sprucing up your kitchen – the possibilities are endless.

Features that are all treats and no tricks:

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Low Rates

Introductory rate of 5.99% APR for 12 months when you open and use your HELOC by January 15, 2024. As low as 6.50% APR thereafter
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Easy Funds Access

Through online transfer or check
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No Annual Fee

Enjoy no annual fee and no points
Apply Online or Schedule an Appointment
Simply apply online today using promo code HOLIDAY or schedule a phone appointment to speak to one of our friendly real estate experts.

Funds cannot be used to pay any 1st United Credit Union loan obligation. Introductory APR (Annual Percentage Rate) is as of September 15, 2023, is a fixed 5.99% for 12 months, then reverts to a variable rate which is Prime rate (index) currently at 8.50% as of September 21, 2023 minus a 2.00% margin and may be subject to adjust monthly. Introductory rate reverts back to the standard rate on January 15, 2025 or if the account becomes delinquent. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions. Best rate quoted for primary residence. California properties only. $100 processing fee applies for loan amounts up to $250,000; $875 origination fee applies, plus appraisal and title fees for loan amounts over $250,000. Rate is valid up to 80% combined loan to value ratio (CLTV). Rental property rates available. 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. Lifetime cap is 6.000% above current fully indexed rate. Payments based on 1% of the outstanding balance. Offer ends January 15, 2024.

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