More options to make it happen.

Your home has value, so use it! Tap the equity you’ve built in your home to cover costs from home improvements to debt consolidation. Ready to make your home work for you?

Special Offer: $99 Closing Costs on your new HELOC

Use equity in your home for your remodeling projects, investment property, purchase of your new home, education expenses, debt consolidation or your dream vacation!
Benefits of getting your HELOC with United Financial Credit Union!

  • No Annual Fee
  • No Early Termination Fees
  • No Application Fee
  • Competitive Rates

Offer Ends May 31st!

*Finance your 1st mortgage with United Financial and the $99 fee will be waived. HELOC needs to be closed at a United Financial Credit Union office. Some restrictions may apply. See credit union for full details. Approval and actual rate offered based on creditworthiness factors, term and satisfactory collateral. Rates are subject to change at any time. Other conditions and restrictions may apply.

Get smart about utilizing your home’s equity.

Two great ways to access more funds is with either a Home Equity Loan or line or credit.

A Home Equity Line of Credit (HELOC) is a line of credit that lets you borrow against the equity you have in your home. As a revolving line of credit, there are low minimum payments and the credit can be used repeatedly as you pay the balance down.

Your fixed rate Home Equity Loan can be used to fund nearly any purchase, even a new vehicle, investment or vacation! If you are planning multiple purchases, or want to consolidate debt, you can use one loan application to handle it all at one time.

Borrow As Much As You Need

Our flexible, personalized loans are matched only by some of the best rates around!

Freedom & Flexibility

No set number of payments and multiple term options for repayment.

Simple as 1,2,3!

Getting your pre-approval and closing on a HELOC loan is quick and easy. Anyone can do this!

home equity line of credit

Loan Type

Home Equity Line of Credit (HELOC)

Minimum Loan Amount


Maximum Loan Amount

10 year draw

10 year repay

Maximum Term



As low as 8.25%

Max rate 14.00%

home equity loan/Second Mortgage

(up to 90% financing)

Loan Type APR* as low as Example payment on $10,000***

5 yr Fixed


$200.38 per month

10 yr Fixed


$120.02 per month

15 yr Fixed


$95.57 per month

***The above listed payments do not include amounts for taxes and insurance premiums, if applicable, and your actual payment may be higher. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes.
The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges.

Check out our free resources to help you plan your purchase!

Want to discuss your options? Schedule a Consultation Today!

We’re here to help. Discuss your needs with a Loan Specialist and we can help you achieve your goals in a way that’s the safest bet for you.

Not a member yet? Join today!

Life’s complicated enough, so we keep things simple! Understandable terms, reasonable rates, and all of the services you’d expect without interruption. That’s how United Financial makes banking a better experience for all.