HELOC Special Offer:  $99 Closing Costs

Available for a Limited Time

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 Fees
· No Early Termination Fees
· No Application Fee
· Competitive Rates  

Contact us today to take advantage of this special offer, available for a limited time only!

*Finance your 1st mortgage with United Financial and the $99 fee will be waived. 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. 


Make those upgrades you’ve wanted with a Home Equity Loan.

Our process is simple, but we are still here to walk you through it if you need us.

Step 1


Call to schedule your pre-approval appointment:





Step 2


We’ll help you gather and submit all relevant materials and quickly provide final approval on your mortgage

Step 3


We’ll walk you through completion of all closing documents so you can get started on your house projects or take that family vacation.

 To schedule your pre-approval appointment and begin our easy 3-step process call:

(989) 777-3620

If you don’t need assistance and are ready to start then APPLY HERE.

Ready to Apply?

Fast. Secure. Simple.

Common Questions

What is a Home Equity Line of 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 you pay down the principal balance the available amount you have becomes available for you to use again.

This means you can:

  • Borrow as much or as little as you need, up to your established credit limit
  • Access your funds at any time
  • Very competitive rates
  • Replenish your credit amount as you repay your balance
  • A possible tax deduction for your interest payments (consult your tax advisor)
  • Easily access your Home Equity Line of Credit with our Home Equity Checks
What can a HELOC be used for?

The equity in your home can help you pay for a new kitchen, consolidation debt, an unforgettable vacation or whatever you need.

If I have bad credit can I still apply?

Yes. You may still qualify for a mortgage even with bad credit.

Can I apply if I have a fixed income?

Yes. We evaluate several factors concerning your financial situation to determine the best mortgage options for you.

How is my private information protected?

Our site is completely secure, utilizing PCI-compliant, bank-level security software that is continually tested and certified.

Have a Mortgage already?

If you have your Mortgage at another financial institution, consider bringing it to United Financial. Find out more about our Mortgages here.
Refinance your Mortgage at United Financial and take out a Home Equity at the same time and we will pay the closing fees on your Home Equity.

How Can We Help?

Have our Rate Tracker notify you when a particular rate is available.

Have our Loan Consultant determine the products and services that best match your needs.

Discover the advantages our various mortgages have to offer and learn more about our Rates and Services.

 To schedule your pre-approval appointment and begin our easy 3-step process call:

(989) 777-3620

If you don’t need assistance and are ready to start then APPLY HERE.

United Financial Credit Union NMLS ID 652309