Utah Community Credit Union
UCCU Home Equity Loans




Home Equity Loans

1.99% APR introductory rate for 6 months*

3.50% APR variable thereafter* 


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Call or Text: (801) 223-7650

Email: equity@uccu.com



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 85%.



  • Mortgage Loan: long-term mortgage loan. Typically 15 - 30 years.



All Home Equity Loans have ZERO FEES! That's right, you pay no fees with a UCCU Home Equity.**

So apply now online or call (801) 223-7650.

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


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


*1.99% APR introductory rate for 6 months introductory fixed rate for 6 months, 3.50% variable APR thereafter or whatever Prime is. For loans greater than 80% LTV (loan-to-value) the variable APR is 4.49% (Prime + 1.24%). On approved credit. Rates subject to change. Property insurance is required. Interest rate will not vary above 18% or below 3.50%. Variable rates based on the Prime Rate as published in the Wall Street Journal on the 15th day of the month prior.

**Fee reimbursement for appraisal and title work apply if loan is paid off and closed within 24-months of the note date.

Limited time offers. Equal housing lender. NMLS # 407653. Insured by NCUA.

NCUA Equal Housing Lender
Utah Community Credit Union, 360 W 4800 N, Provo, UT 84604, 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.