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Home Equity Loans & Lines

Make the equity in your home work for you

Dream big!

One of the many benefits of owning a home is the equity you can build as home values increase. Homeowners can use their home’s equity for a major expense such as a home improvement project, child’s education, or consolidation of bills.

Home Equity Loan

Benefits you most if you plan to use the money for a one-time expense.

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As low as 8.450% APR

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One-time lump sum payout

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Fixed monthly payment

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No points

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Borrow up to 80% of your home’s equity



Home Equity Line of Credit (HELOC)

A good choice if you plan to use the equity periodically, such as for a long-term home improvement project.

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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

Get the Details

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Line of credit, similar to a credit card

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Easy access to your funds through check or transfer

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No points

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Borrow up to 80% of your home’s equity

Already applied? Check your application status.

Our real estate experts
are standing by.

Call, email, or stop by. We can walk you through the home equity loan options and help you decide which is best for your needs.
Home Equity Loan: APR (Annual Percentage Rate) is as of December 5, 2023, and valid up to 80% combined loan-to-value on primary homes and up to 75% for second or investment homes. Minimum loan amount $10,000. Rate may increase depending on your credit qualifications. $123.41 per month for each $10,000 borrowed at 8.450% APR for 120 months. $125 processing fee applies for loan amounts up to $250,000; $1,200 origination fee applies, plus appraisal and title fees for loan amounts over $250,000. California properties only.
Home Equity Line of Credit: APR (Annual Percentage Rate) is as of December 5, 2023 and Prime rate (index) currently at 8.50% as of September 21, 2023 minus a 2.00% margin and may be subject to adjust monthly. Your rate may vary based on creditworthiness, amount financed and other additional terms and conditions. Best rate quoted for primary residence. California properties only. $125 processing fee applies for loan amounts up to $250,000; $1,200 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. Lifetime cap is 6.000% above current fully indexed rate. Please consult a tax advisor regarding deductibility of interest. Payments based on 1% of the outstanding balance.
HELOC Intro Offer: 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. $125 processing fee applies for loan amounts up to $250,000; $1,200 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. Lifetime cap is 6.000% above current fully indexed rate. Payments based on 1% of the outstanding balance. Offer ends January 15, 2024.

















Slice of cake

Rewards checking takes the cake!

Get rewarded with an interest-bearing checking account, plus up to double Visa Platinum Rewards points. Learn more about Rewards checking(Opens in a new Window)

Home Equity Line of Credit Introductory Offer. Click to learn more.




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