Flex HELOC (Home Equity Line of Credit) & Flex HELOC Visa® Card1Real 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 zone area. Mortgage and Home Equity products are not available in all states. Loan fees may apply, including fees imposed by third parties and/or state or county offices. Opening charges may apply, such as processing and appraisal fees. Aggregated opening charges generally range from $350 to $1,000 but may exceed this range based on fees imposed by third parties. If your home is located in SC, an attorney must assist with your real estate closing, and may charge fees. Members refinancing an existing UECU Home Equity product may be subject to modification or conversion fees. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval. Rate based on 90% loan to value (LTV) & 60-month term. Rate shown is our lowest rate which is based on an evaluation of credit and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rate will differ based on term, credit review and collateral evaluation.
| Loan | Annual Percentage Rate3Rates will vary based on an evaluation of credit, loan to value, and/or collateral evaluation if applicable. Not all applicants will qualify. Actual rate may differ. After approval, your regular variable rate is subject to change without notice. Rates for variable rate products will vary based on the Wall Street Journal Prime Rate (“index”) plus the “margin” above or below the index rate as disclosed in your loan agreement. Maximum lifetime interest rate will not exceed 18% APR. | Daily Periodic Rate |
|---|---|---|
| Introductory Rate4The Introductory Rate is a fixed rate for the first 12 months from the date of the loan. After 12 months, existing and new balances will be subject to the regular variable rate which is the Wall Street Journal Prime Rate (“index”) plus the “margin” above or below the index rate as disclosed in your loan agreement. Regular variable rates will vary and adjust without notice. | 3.99% | 0.010932% |
| Regular rate as low as WSJ Prime Rate (variable rate) minus .50% |
Easy application online or by phone2Real 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 zone area. Mortgage and Home Equity products are not available in all states. Loan fees may apply, including fees imposed by third parties and/or state or county offices. Opening charges may apply, such as processing and appraisal fees. Aggregated opening charges generally range from $350 to $1,000 but may exceed this range based on fees imposed by third parties. If your home is located in SC, an attorney must assist with your real estate closing, and may charge fees. Members refinancing an existing UECU Home Equity product may be subject to modification or conversion fees. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval.
