Home Equity Line of Credit (Variable Rate)
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It's like a giant credit card tied to your house. Leverage your home's value...tap into a new U1 Home Equity Line of Credit (HELOC) with no annual fees, a no closing cost option, up to 95% LTV and easy access to funds!
Visit a local division office or give us a call and apply today to get the most out of your home's worth
memberservices@u1cu.org | 800-762-9555 opt. 0 | NMLS #652486
| Home Equity Line of Credit | ||
| Effective Date: Wednesday, July 16th, 2025 | ||
| Type | Term | APR (As Low As) |
| Up to 95% LTV | 15 years | 7.75% |
| *APR = Annual Percentage Rate. The APR for the Home Equity Line of Credit (HELOC) is variable and based on Prime Rate as published in the Wall Street Journal plus a margin. Margin is determined by applicant's credit score and home's Loan to Value (LTV). Rates as low as Prime. Maximum APR = 18%. No closing costs with a $15,000 minimum initial advance; cannot be used towards U1 existing loans or debt. Third party fees could range from $0 - $400. Reimbursement of third party fees may be required for loans closed within the first three years of opening. Property insurance is required. Flood insurance and Private Mortgage Insurance (PMI) may be required. All loans subject to approval. Program subject to change. | ||
HELOC FAQs To view the Home Equity Disclosure, click here.
Home Remedy Loans (Fixed Rate)
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Your home is one of life's greatest investments. So much time, energy and finances go into it.
Home Remedy Loans are U1's version of a second mortgage; for further improvements, major purchases or any other circumstance that life may throw at you.
Benefits include:
Low fixed rates & flexible terms
Financing up to 95% loan-to-value
Quick & easy online application
No hidden or annual fees
No closing costs*
| Home Remedy Loan | ||
| Effective Date: Wednesday, July 16th, 2025 | ||
| Type | Term | Rates as low as |
| Up to 95% LTV | 10 / 15 Years | 9.00% / 9.50% |
| *All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. No closing costs with a $15,000 minimum initial loan amount; cannot be used towards U1 existing loans or debt. Property insurance is required. Flood insurance and Private Mortgage Insurance (PMI) may be required. Program subject to change. | ||
We are with you every step of the way and have the best options to fit your unique circumstances. Reach out to our mortgage services team for questions or additional information.
memberservices@u1cu.org | 800-762-9555 opt. 0 | NMLS #652486
*All loans subject to approval. Rates, terms and conditions vary based on creditworthiness and amount financed. Rates and terms subject to change. No closing costs with a $15,000 minimum initial loan amount; cannot be used towards U1 existing loans or debt. Property insurance is required. Flood insurance and Private Mortgage Insurance (PMI) may be required. Program subject to change.
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