Utah Community Credit Union
UCCU Home Equity




Home Equity Loans

2.24% APR introductory rate for 6 months

4.75% APR variable thereafter 


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(801) 223-7650  |  equity@uccu.com



UCCU's focus is to Inspire Smart Decisions by offering the lowest rates and flexible terms on loans. All Home Equity Loans have ZERO FEES! That's right, you pay no fees with a UCCU Home Equity.*

Your house isn’t just a home. It’s an investment. And with a Home Equity Line of Credit – or HELOC, for short – you can put that investment to work for you. 

So what is a HELOC? A HELOC is a line of credit, issued to you, based on the equity you have on your home. When you think of your home as an investment, you can think of a HELOC as a way to maximize that investment. Because how you use your HELOC…is entirely up to you. 

Some homeowners use HELOCs to make repairs or remodel, which can improve and even raise the value of their homes. Others use HELOCS to consolidate and pay off higher interest rate loans, saving them money and enabling them to get out of debt faster. 

And, of course, many people open HELOCs and never use them. They simply enjoy the security and peace of mind of knowing that they have a line of credit ready for a rainy day…even if that day never comes. 

To open a HELOC, apply now or stop by any UCCU branch.

We’ll not only provide you with the lowest rate possible, we’ll lock in that low rate for ten years. And we won’t charge you any closing fees. You’ll simply have a fixed-rate line of credit, ready and waiting, for you to use—or not use—however you see fit. 



  • Debt Consolidation
  • Home Renovations
  • Educational Costs
  • Medical Expenses
  • Emergency/Rainy Day Fund
  • And much more



  • No origination fees or closing costs**
  • Ability to borrow, repay, and then borrow again without reapplying
  • Up to 80% Combined Financing
  • Interest Only Options





The home equity process may vary based upon the requirements for your specific situation and loan, in addition, to obtaining the necessary documentation. Typically the process takes a couple of weeks, and an additional week if an appraisal is required. All loans are on approved credit. The maximum combined Loan-to-Value (LTV) for home equity loans is 90%.

Apply online for a UCCU Home Equity LoanFind a UCCU Branch LocationCall a UCCU Home Equity Loan Expert at (801) 223-7650Email a UCCU home equity loan expert at equity@uccu.com


* Annual Percentage Rate=APR. After the initial fixed rate period, your APR will convert to a variable rate and vary with the Prime Rate as published in the Wall Street Journal. As of July 1, 2016 UCCU’s margin above Prime on 1st lien position is 0.35% - 2nd lien position is 0.85%. During the variable rate period, the interest rate will not vary above 18% APR nor below 3.74% APR. Initial fixed rate option cannot be combined with any other loan offer or cash back rebate. 

**Property insurance is required. Consult your tax advisor regarding the deductibility of interest. Fee reimbursement for appraisal and title work apply if loan is paid off and closed within 24-months of the note date. Some restrictions may apply. Offer is subject to change without notice. On approved credit. Membership eligibility required. Equal Housing Lender. NMLS # 407653. Federally insured by NCUA. 

NCUA Equal Housing Lender
Utah Community Credit Union, PO Box 1900, Provo, Utah 84603-1900, 1 (800) 453-8188. All Rights Reserved. Utah Community Federal Credit Union does business as (DBA) Utah Community Credit Union. Unauthorized account access or use is not permitted and may constitute a crime punishable by law.