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Home Equity Loans

Do more with your US home

Use the value of your home to finance your goals

Tap into the equity in your US home to pay for renovations, education costs, and more. The amount you can borrow depends on the value of the home you are using as collateral. If you have a mortgage, the amount you have paid toward your mortgage will also help determine how much you can borrow.

Choose how to borrow


Unsure which option is right for you?

Schedule an appointment with one of our experienced mortgage representatives for help finding the best option for you.

Benefits of a UNFCU HELOC of $50,000 or less

  • Board check.

    No application fees

    Complete your free application online, 24/7.

  • House.

    No appraisal fees

    There is no fee for appraising your property.

  • Board with dollar sign.

    No closing costs2

    Save on a variety of fees often charged at closing.

Row of brownstone buildings.

Start using the equity in your US home

Apply for a HELOC or home equity loan 24/7 from anywhere in the world.

Resources to help you manage your HELOC or home equity loan

Visit the Help Center

Loan payment calculator


Draw from a HELOC

Digital Banking Setup

Set up email or mobile account alerts


Make a loan payment

More ways to borrow

Browse multi-purpose loans and loans for specific purposes, all designed for the United Nations community.