Home Equity
HELOC Special – 4.99% APR* for First 12 Months
For a limited time, take advantage of a special introductory rate and turn the equity you’ve built in your home into possibilities.
HELOC Special Offer Details
- Introductory Rate of 4.99% APR* for First 12 Months
- No Annual Fee
- Interest may be Tax Deductible**
OFFER ENDS NOVEMBER 30th, 2026!
Home Equity Line of Credit (HELOC)
Your home is more than just a place to live; it’s a foundation for building a better future for you and your family. With US Community Credit Union, you can unlock the potential of your home’s equity and transform it into the home you’ve always envisioned.
You can also utilize the financial strength of your home to pursue various opportunities. Whether you aspire to invest in education for yourself or a loved one, consolidate existing debts, or fulfill other personal goals, tapping into your home’s equity provides the means to make it happen.
Imagine the possibilities: financing a higher education, creating the home of your dreams, or even acquiring a new vehicle – your home’s equity offers flexibility and freedom to fulfill your aspirations and enhance your quality of life.
Discover all the potential your home holds. Contact US today to explore how you can leverage your home’s equity for a brighter future.
Benefits
- Great Rates
- Refinance Your Current Loan from Another Financial Institution
- May be a Tax Advantage**
- Terms to Fit Your Needs
- Fast Turnaround
- Use Funds for What You Wish
**Ask your tax advisor about potential benefits
Home Equity Loan
Making a large purchase? Know the exact amount of money you need? A Home Equity Loan from US Community Credit Union is the perfect solution, offering a fixed rate based on the equity you’ve established in your home.
With a Home Equity Loan, budgeting becomes effortless as your interest rate remains constant throughout the life of the loan. Enjoy the peace of mind and financial stability that comes with knowing your rate will not fluctuate over time.
Leverage the equity you’ve built in your home to achieve your objectives with confidence. Whether it’s renovating your property, financing an important life event, or consolidating high-interest debts, our Home Equity Loan empowers you to make informed decisions and take control of your financial future.
Simplify your borrowing experience and unlock the potential of your home’s equity. Contact US today to explore the benefits of a Home Equity Loan and discover how we can help you achieve your goals while providing stability and predictability.
Benefits
- Great Rates
- Refinance Your Current Loan from Another Financial Institution
- May be a Tax Advantage**
- Terms to Fit Your Needs
- Fast Turnaround
- Use Funds for What You Wish
**Ask your tax advisor about potential benefits.
HELOC Special Disclosures:
*APR=Annual Percentage Rate. Introductory APR for well qualified borrowers at a maximum Loan to Value ratio (“LTV”) of 90% depending on borrower’s loan scenario. Introductory Home Equity Line of Credit (HELOC) rate of 4.99% APR for the first twelve (12) months. After twelve month introductory period, APR will default to qualifying rate as determined and disclosed at the time of the loan closing. As of 9/17/2026, qualifying interest rates are as low as 6.00% APR with a product floor rate of 4.00% APR and the maximum is 18.00% APR. Rates are based on the Prime Rate published in the Wall Street Journal Money plus a margin. Rates and terms based on individual’s credit score and qualifications. Rates and terms subject to change. Home value is based on US Community Credit Union verified source such as an appraisal, which may be required. Borrower pays appraisal fee. Property insurance will be required, including flood insurance if applicable. To qualify, $35,000 new money must be included in loan request. Must have a credit score of 620 or higher at the time of your application. Early loan termination fees may apply. Home Equity products available in Tennessee only. Limited time offers subject to credit approval. Offers subject to change or may expire without notice. Application for HELOC promotion must be submitted by 11/30/2026. All loans are subject to credit approval. Closing costs are estimated to range between $500.00 and $1,000.00 (or more depending on the loan amount). Appraisal fee not part of closing costs. Membership required. Terms and conditions may apply. Contact the credit union for any questions regarding promotion. ** Contact a tax advisor concerning tax-deductibility