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2.99% APR* 12-month Intro Rate

We’ve combined flexibility with savings and created a Flex HELOC. It’s a variable rate line of credit with a fixed-rate option. So when you need money for home improvements, debt consolidation, large purchases, or emergencies, you can easily access the funds you need, and save by locking in the rate. You’ll have the option of locking in a fixed rate on all or part of your current balance, without having to reapply.

Member Benefits:

  • 2.99% APR* 12-month line of credit introductory rate
  • Regular rate as low as Prime Rate (variable rate)
  • Interest-only option
  • No annual fee, no application fees or closing costs**
  • 10-year draw period and 20-year repayment period
  • Up to three fixed-rate loan portions available at a time
  • Fixed monthly payments on fixed-rate loan portions
  • Convenient access to your funds with a Flex HELOC Visa® Card and checks
  • One monthly statement (With E-Statements, you earn 25 VantagePoints™ for each statement you receive)
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Today Forms and Disclosures
Ready to lock in your rate on your existing Flex HELOC? Contact a Financial Service Consultant at 800.288.6423.

Existing UECU HELOC accounts are not eligible to receive introductory rate. Home Equity products are not available in all states. Real estate must be first or second lien, 1-4 family owner-occupied residential property. Homeowners insurance is required. Flood insurance required for properties designated in flood zones. 100% maximum loan to value (LTV). Loan to Value (LTV) calculation is dependent upon the appraised value of your home.
* Home Equity Line of Credit Introductory Rate is for the first 12 months from date of loan. After 12 months, existing and new balances will be subject to the regular rate. Regular rates may vary and adjust quarterly based on the Wall Street Journal Prime Rate (Index) plus 0.0% APR (Margin) for up to 90% LTV; plus 1.0% APR (Margin) for 91 to 100% LTV. Maximum lifetime interest rate will not exceed 18% APR. APR = Annual Percentage Rate.
**You may be eligible for a no-cost loan; however, some fees may apply including an appraisal fee depending upon individual underwriting circumstances or fees imposed by third parties. Some states charge additional recording tax after loan origination for which you are responsible. If your home is located in SC, an attorney must assist with your real estate closing, and may charge fees. Early closing reimbursement fee of $400 will be assessed if Home Equity Loan or Line of Credit closed within the first 12 months after opening; up to $200 if closed during months 13 to 36.

 Rates as low as 2.74% APR** with TRUECar

Call 800.288.6423 to get pre-approved before you shop!

Apply Now  Search NEW Vehicles   Search USED Vehicles

*Between 7/1/17 and 9/30/17, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and who TrueCar identified as purchasing a new vehicle of the same make and model listed on the certificate from a Certified Dealer as of 10/31/2017, was $3,383, including vehicle specific manufacturer incentives.

**APR=Annual Percentage Rate. UECU’s lowest auto loan rate of 2.74% APR is based upon an evaluation of credit-worthiness criteria and maintaining an active UECU checking account (at least one transaction per month). Rate quoted for a 36-month term; your actual rate may differ. Limited time offer. Offer is subject to change without notice. Rate quoted is for new loans only. Certain loan-to-value, auto model year, and term restrictions apply.

With UECU’s Visa® Power Card™ you have the power to shop with ease and peace of mind, knowing that you have one of the best cards out there!
  • Earn REWARDS - for every $1.00 spent you will receive one VantagePoint™.* Use those points for gift certificates, cash back or loan rate discounts
  • If you have to carry a balance rest easy knowing you enjoy a competitively low rate
  • Save money with no annual fees, no balance transfer fees, and no transaction fees for purchases
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

Flex HELOC

2.99% APR* 12-month Intro Rate

We’ve combined flexibility with savings and created a Flex HELOC. It’s a variable rate line of credit with a fixed-rate option. So when you need money for home improvements, debt consolidation, large purchases, or emergencies, you can easily access the funds you need, and save by locking in the rate. You’ll have the option of locking in a fixed rate on all or part of your current balance, without having to reapply.

Member Benefits

  • 2.99% APR* 12-month line of credit introductory rate
  • Regular rate as low as Prime Rate (variable rate)
  • No annual fee, no application fees or closing costs**
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

APR=Annual Percentage Rate

Home Equity Term Loan

Current Rate as Low as 3.74% APR*

Make your home’s equity work for you. Whether you need to make home improvements, consolidate debt, buy a car, or pay college tuition, this loan is the solution to just about anything you could think of.

  • Save money with no application fee, and no closing costs, or points**
  • Enjoy peace of mind knowing you can borrow up to 100% of the value of your home
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

*APR=Annual Percentage Rate. 

Treating you differently

Houses, like people, are different – and your mortgage demands aren’t the same as those of your friends and family. At Utilities Employees Credit Union, we don’t offer a single “one size fits all” financing solution: our broad range of options guarantees you will find the loan that best suits your unique needs.The Credit Union offers:

  • Fixed rate mortgages
  • Adjustable rate mortgages
  • First-time homebuyer program
  • Refinance options
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Today Learn More Forms and Disclosures

Current Rate as low as 6.99% APR*

Whether you’re consolidating debt or facing unexpected expenses, our personal loan options meet your specific needs when your collateral options are limited.

  • With flexible terms you choose a repayment period that suits your financial situation
  • With approvals up to $25,000 enjoy peace of mind knowing whatever expense you have, it is paid for

Convenience of Payroll Deductions, Direct Deposit or AutoPay makes paying your loan easy. No more writing checks or worrying if your payment made it there on time.

 
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

* APR=Annual Percentage Rate. Your rate may differ. Rates range from 6.99% APR to 15.50% APR. Lowest quoted rate and payment amount is based upon an evaluation of credit-worthiness criteria and maintaining an active UECU checking account (at least one transaction per month). Offer may be discontinued at any time without prior notice. Equal Opportunity Lender.

The best of both worlds! Borrowing power with great savings benefits!

  • Secure the lowest rate possible by using the funds in your Share/CD account as collateral
  • Continue to earn a high dividend yield on the funds you use for collateral
  • Convenience of Payroll Deduction, Direct Deposit or AutoPay makes paying your loan easy.
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

Student Choice - A Better Way to Pay for College

Whether you’re just beginning your college career or you’re looking to refinance/consolidate your existing student loans, we have a Student Choice Loan Solution for You!

Undergraduate Loans – We are proud to offer the Student Choice private loan solution to help fill educational funding gaps. When federal aid just isn’t enough, we can help! Enjoy:

  • Competitive interest rates
  • In-school deferment
  • Flexible repayment terms
  • Convenient line of credit structure

Refinance/Consolidation Loans – Take control of your student loan payment! You’ll be able to refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment, and potentially lowering your rate.* You may be a good candidate for refinancing your student loans with UECU if:

  • You’re paying a high interest rate on your loans
  • You have multiple private student loans and/or higher rate federal loans
  • You have a good credit history or a qualified co-signer

*Subject to credit qualification and additional criteria, including graduating from an approved school.

Undergraduate  Refinance/Consolidate

At Utilities Employees Credit Union we are actively working to increase accessibility and usability of our website for every visitor in accordance with ADA standards and guidelines. If you are using an auxiliary aid or a screen reader and need assistance please visit our accessibility page and use the contact information to be connected to a UECU Representative.
All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.


Federally Insured by NCUA

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