Find the Right Loan Rate for You

Disclosures:

1. Lowest rates are for qualified applicants and dependent on opening and maintaining an active UECU Checking Account (excluding Green Light Checking™) with at least one transaction per month. Rates will vary based on an evaluation of credit, term, loan to value, and/or collateral evaluation if applicable. Not all applicants will quality. Actual rate may differ. Share Secured Loan is 100% secured by funds in your share savings account. Other fees, terms, and conditions may apply for each loan type. Information provided herein is subject to change without notice.

2. 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). LTV calculation is dependent upon the appraised value of your home.

3. Rates 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.

4. The 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.

5. You may be eligible for a no-cost loan; however, some fees may apply including an appraisal fee or fees imposed by third parties. Some states charge an additional recording tax after loan origination for which you are responsible. If your home is in SC, an attorney must assist with your real estate closing and may charge fees. A closing cost reimbursement fee of up to $400 will be assessed if your Home Equity Line of Credit (“HELOC”) is closed within the first 12 months after opening; up to $200 if closed during months 13 to 36. Existing UECU HELOC accounts are not eligible to receive the introductory rate and are subject to modification or conversion fees. Offer subject to change and can be canceled or withdrawn at any time without notice.

6. An origination fee is generally a fee charged as a part of your closing costs. The origination fee will vary per financial institution and averages around 0.5% of the total loan amount. You will save on your closing costs up front when you finance with UECU because we do not charge an origination fee. Based on this average calculation, the example identifies the closing cost savings of $1,000 for a loan amount of $200,000 when you finance with UECU. This is a limited time offer and subject to change without notice.

7. APR is based on an evaluation of creditworthiness. Actual rate may differ. Not all applicants will qualify for approval. Rate is variable, based on Wall Street Journal Prime Rate (“index”) plus or minus a margin, and may adjust on a monthly basis. Rate will not exceed 18%. Rate quoted as of 2/1/2026.

8. Rates and information are subject to change at any time.