2.49 % APR* 12-month Intro Rate

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

New low intro rate: 2.49% APR* 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.

Member Benefits:

  • 2.49% APR* 12-month line of credit introductory rate
  • Regular rate now as low as Prime Rate (variable rate) minus .50%
  • Interest-only line repayment option
  • No annual fee, no application fees or closing costs**
  • 10-year draw period and 20-year repayment period
  • Up to three fixed-rate loan portions available at a time
  • Fixed monthly payments on fixed-rate loan portions
  • Convenient access to your funds with a Flex HELOC Visa® Card and checks
  • One monthly statement (With E-Statements, you earn 25 VantagePoints™ for each statement you receive

Ready to Get Started?

Call 800.288.6423 or Apply Online.
Ready to lock in your rate on your existing Flex HELOC? Contact a Financial Service Consultant at 800.288.6423.

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.*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 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 may vary and adjust quarterly. Maximum lifetime interest rate will not exceed 18% APR. APR = Annual Percentage Rate. **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 located in SC an attorney must assist with your real estate closing and may charge fees. An early closing 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.

Federally Insured by NCUA

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All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.