Membership is now open to PA Residents through PACC.JOIN NOW

With mortgage and home equity loan rates at an all-time low, you could save with a new loan or by refinancing with UECU.


As your financial partner, we’ll help you navigate through the home-buying process. From the moment you apply for your mortgage to the day you close on your dream home, we’ll be by your side – ready to help and answer your questions.

Just 3% down1 | Buy your first home with as little as 3% down. Finance up to 97% of the purchase price.

Save as much as $1,000 or more on closing costs2 | With UECU, you’ll save upfront on closing costs.

Easy application online or by phone | Our Mortgage Specialists can answer your questions or take your application over the phone 24/7.

Save on interest with our low fixed and adjustable rate refinance options

Learn how to find a mortgage that fits your needs and budget with our CueItUp e-courses.

Call 800.288.6423 Ext. 4001

Home Equity Term Loan

Save with a fixed rate as low as 3.74% APR3
Borrow up to 100% of the equity in your home
Pay no application fees with your UECU Home Loan Benefit
Terms from 5 to 20 years

Call 800.288.6423 Ext. 4001


Variable rate line of credit with a fixed rate option – Easily lock in a fixed rate on the amount you need to borrow
2.49% APR 12-month line of credit introductory rate4
Regular rates as low as Prime Rate minus .50%
Pay no application fees with your UECU Home Loan Benefit
10-year draw period and 20-year repayment period

Call 800.288.6423 Ext. 4001

Explore the costs and benefits of homeownership with our complimentary CueItUp e-courses.

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 zone area. Home Equity products are not available in all states. 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.

1. A 3% down payment is required. Down payment and closing costs may be funded through a qualified gift. Availability of 97% Loan to Value mortgage is limited to credit scores of 620+ and requires PMI and purchase of single family home used as primary residence. At least one borrower must be a first-time homebuyer.

2. The example shown is for a loan amount of $200,000, waiving the mortgage origination fee of $1,000. Mortgage origination fee amount will vary based on loan amount. The mortgage origination fee will be waived for members who complete a mortgage application and loan closing. Approval based on credit review and collateral evaluation. Not all applicants will qualify for approval. This is a limited time offer and subject to change without notice. Mortgage products are available in most states; not available in Nevada. Other terms and conditions may apply.  

3. 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 with at least one transaction per month. Rate will vary based on term, credit review and collateral evaluation.

4. 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 quarterly without notice. Maximum lifetime interest rate will not exceed 18% APR. Existing UECU HELOC accounts are not eligible to receive the introductory rate. Members refinancing an existing UECU Home Equity product may be subject to modification or conversion fees. Offer subject to change and can be canceled or withdrawn at any time without notice. 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. Federally insured by NCUA.