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Have questions? Need help? Call 800-288-6423

Home Equity Visa® Credit Card




Enjoy one of our lowest rate credit cards by making your home’s equity work for you.

  • Save money with no annual fee, no balance transfer fees, and no transaction fees for purchases
  • Relax and enjoy the ease of accessing your line of credit up to 100% of the value of your home

Need Help?
Call 800-288-6423

Benefits of the UECU Flex HELOC Visa® Card:

  • Visa card honored at over 3 million merchants worldwide
  • Rate tied to the Wall Street Journal prime rate, with a maximum rate cap of 18%
  • Rate may change on the 1st day of the statement cycle ending in January, April, July and October
  • May go up to 100% of appraised value (must be 1st or 2nd lien holder)
  • Minimum limit is $5,000, maximum limit is available equity
  • Can utilize as a cash advance from Visa or PLUS® ATMs, through an online funds transfer or at financial institutions where the Visa logo is displayed
  • Interest accrues from date of transaction for purchases or cash advance
  • Payments due the 10th of every month
  • Minimum monthly payment is 1.5% of outstanding balance, or $25, whichever is more
  • Payment made by check or AutoPay.
  • No annual fee, transaction fee, balance transfer fee or cash advance fee
  • $1 million in free travel insurance
  • Fraud Protection
  • Access to Card Controls
  • Limited liability for unauthorized use
  • Auto Rental Insurance
  • Warranty Manager
  • Free travel and emergency assistance
  • For more information regarding UECU home equity products including our Flex HELOC (Home Equity Line of Credit), please Click Here

Mailing Address for Visa Payments:
Utilities Employees Credit Union
Attn: Visa Department
P.O. Box 66702
St. Louis, MO 63166-6702

* Please note this address is for Visa payments only.