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Fixed Rate HELOC

The lowest rate possible, locked in for ten years.

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A seasoned home loan professional, ready to act as your home equity advocate.

801-223-7650 | [email protected]
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Available M–F 8am–6pm, and Sat. 9am–2pm

Lock in the lowest fixed rate possible.

A Fixed-Rate HELOC provides the lowest rate possible, fixed (or “locked-in”) for up to ten years, with no fees. So you can enjoy the peace of mind of knowing you have a line of credit that won’t go up… even if rates do.

Today’s Rates

Please note that rates and fees are subject to change without notice.

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How a Fixed Rate HELOC Works

A Fixed Rate HELOC provides one, fixed rate that’s guaranteed not to change for the draw period, which is 4 years. When draw period ends, the HELOC switches to the lowest variable rate possible, with payments amortized so that the monthly payment for the money you drew will remain the same throughout the remainder the repayment period (5, 7, or 10 years, depending on your agreement). 

Who Should Get One?

With the security of knowing the rate won’t rise, a Fixed Rate HELOC can be an attractive option for people on fixed budgets, as well as homeowners who would plan to use a HELOC to pay off higher interest debts – like credit cards – during the fixed rate period.

Let’s help you determine which HELOC is best for you…

*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.

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