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US Mortgages

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All UNFCU mortgage representatives are permitted to lend in all 50 states.

Home Equity Line of Credit (HELOC)1 rates as low as 6.00% APR2

Fund your next project at a low introductory rate using the value of your home. One of our mortgage representatives will help you choose whether a traditional or interest-only HELOC is right for you.

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I am a UNFCU employee or family member

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Rely on UNFCU for a better mortgage

Whether you are buying or refinancing a home or an investment property, we provide low fees and competitive rates.

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1. Home equity lines of credit can only be used on a primary residence. Property insurance is required for all home equity lines of credit. For a home equity line of credit exceeding $200,000, you will be responsible for closing costs.

2. APR = Annual Percentage Rate. This introductory rate is as of 15 November 2026 and is subject to change without notice. To qualify, the Home Equity Combined Loan-to-Value (HCLTV) must be less than or equal to 80%. Introductory rate does not apply for HCLTV greater than 80%. After introductory period, the fully indexed rate will apply. Source for average US credit card interest rate as of 15 November 2026: https://www.forbes.com/advisor/credit-cards/average-credit-card-interest-rate/. After the introductory rate expires, the APR for UNFCU HELOCs is based on the Wall Street Journal Prime Rate plus a margin. Your APR will not exceed 18.00% or the maximum permitted by law, whichever is less. View fees associated with UNFCU HELOCs. Eligibility for specific loan program options is dependent on several factors, including credit profile and downpayment amount.