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NOTICE: The financial community is seeing an aggressive increase in scams and phishing.
A seasoned home loan professional, ready to act as your home equity advocate.
801-223-7650 | [email protected]
or send us a secure message from within online & mobile banking.
Available M–F 8am–6pm, and Sat. 9am–2pm
A Home Equity Line of Credit is an open-ended loan that’s issued to a homeowner based on the equity they have in their home. Popular uses include:
Unique UCCU Benefits:
Financing is subject to UCCU membership and underwriting criteria. Not every applicant will qualify. Property insurance is required. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Draw period extensions: pending underwriting review. No closing costs and no fee options available: Conditions apply. Appraisal fee may apply if loan amount is greater than $400,000 or if required by the underwriter. If the loan is paid off within 24 months of funding date, reimbursement of all third party fees required. These may include but not limited to title, automated valuation, and insurance fees. Rate inflation protection: UCCU protects you against drastic rate fluctuations in the market by not allowing your rate to increase more than 0.25% per quarter (3 months) and no more than 6.00% above the non-discounted rate over the life of the loan. The maximum APR that can apply is 18.00% or maximum permitted by law, whichever is less. However, under no circumstances will your APR go below the minimum 4.99% at any time during the term of the plan except when an introductory rate applies. The APR can change monthly on the first day of the month. Minimum home equity line of credit: $10,000. Up to 90% combined loan-to-value (CLTV): the maximum CLTV up to 90% varies upon borrower’s credit score, requested loan amount, and balances of mortgage (or any superior liens on the property). Rates, terms, and programs are subject to change and without notice. Equal housing lender. NMLS # 407653. Federally insured by NCUA.
Standard Home Equity Disclosure:
*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 6.99% introductory fixed rate for 6 months, 8.24% variable APR (Prime – 0.26%). For loans greater than 80% LTV (loan-to-value) the variable APR is 9.99% (Prime + 1.49%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.99%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.
Initial Fixed Home Equity Disclosure:
*APR = Annual percentage rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 8.99% variable APR (Prime + 0.49%). For loans greater than 80% LTV (loan-to-value) the variable APR is 10.49% (Prime + 1.99%). Property insurance is required. Interest rate will not vary above 18.00% or below 4.99%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior. Limited time offer. Appraisal, title, and insurance fee reimbursement required if paid off and closed within 24 months of funding date. Equal housing lender. NMLS # 407653. Federally insured by NCUA.