Flex HELOC

3.99% APR1Real 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. The Introductory Rate is a fixed rate for the first 12 months from the date of loan origination. After 12 months, existing and new balances will be subject to the variable regular 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 rates will vary and may adjust monthly without notice. Maximum lifetime interest rate will not exceed 18% APR. Existing UECU HELOC accounts are not eligible to receive the introductory rate. 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. Offers are subject to change and can be canceled or withdrawn at any time without notice. 12-month Intro Rate

Save more on what you need. Use the Flex HELOC for your upcoming purchases, home improvement projects, or emergencies.

Low intro rate: 3.99% APR1Real 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. The Introductory Rate is a fixed rate for the first 12 months from the date of loan origination. After 12 months, existing and new balances will be subject to the variable regular 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 rates will vary and may adjust monthly without notice. Maximum lifetime interest rate will not exceed 18% APR. Existing UECU HELOC accounts are not eligible to receive the introductory rate. 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. Offers are subject to change and can be canceled or withdrawn at any time without notice. for 12 months

UECU’s Flex HELOC combines flexibility and savings. 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.