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2024 Holiday Toy Drive NEW

United Heritage Credit Union is hosting a Holiday Toy Drive to support kids in Central and East Texas. UHCU will collect new and unopened toys, and funds, from November 12 through November 29 at all branch locations. Click here for more info on how to donate!
Elevate Your Everyday with a Metal Debit Card NEW

UHCU is now offering metal debit cards for all checking accounts. Click here to order yours today!
Our Southwest Branch is Updating Hours NEW

Effective Saturday, November 23, 2024, our Southwest branch drive-thru lanes will be closed on Saturdays. Our lobby will remain open and our drive-up ATMs with expanded features will be available. Click here for more information.
Refer Your Friends & Earn Up to $500!* NEW

Earn $50 for each friend you refer that opens a UHCU checking account. You can earn up to $500 per year*! You and your friend both earn $50 when your friend opens an account and meets all of the requirements.

Learn more and Refer a Friend today!
Skip-A-Pay NEW

It's now easier than ever to skip a loan payment with our Skip-a-Pay program. Click here to learn more!
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Branch Appointments

Home Equity Line of Credit

Turn Your Home Equity into Cash for Anything You Need

Rates as low as

7.45

%

APR*

Apply Now
Gain access to the cash you need now with a competitive rate and term that fits your goals, with a Home Equity Line of Credit (HELOC). United Heritage makes getting a home equity loan simple with no application fee and no closing costs1. Use your home's equity to free up funds to help finance major expenses – such as tuition payments, home renovations or repairs. If you're looking for a HELOC, UHCU has the solution for you!
Backyard with pool

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) is a variable-rate loan set up as a revolving line of credit. You have access to available loan funds based on an established loan limit using your home as collateral. Funds can be used whenever you want, for whatever you want.
 

UHCU Home Equity Line of Credit Benefits
  • Variable rate
  • Lower initial monthly payments
  • Easy access to funds
  • No pre-payment penalties
  • No annual maintenance fees
  • Use for recurring expenses like education costs or investments

Access the money you need, when you need it.

Apply for a HELOC

We're here for all homeowners.

Considering a HELOC? You've come to the right place. We will walk you through the entire process so you can unlock your home's equity and access your cash for what matters!

Not ready to apply? Set up a personalized HELOC consultation! We'll answer any questions you may have and help you understand what options might work for you.
Get a Personalized Consultation
Common HELOC Uses
We offer HELOC rates as low as 7.45 % APR* Apply Now

Have Questions?

We're here to help.

To speak to a UHCU home loan specialist, give us a call at 512.435.4444.
 
Loan Sales - Submit an application or check on the status of an application for Purchase, Refinance or Cash Out Refinance:
Monday-Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 2:00 PM
 
Questions on Existing Loans or Equity Access Applications:
Monday-Friday: 8:00 AM - 5:00 PM

 

Membership/Regular Savings account required. *APR = Annual Percentage Rate. APR is subject to underwriting approval and may increase depending on borrower qualification, applicable finance charges or repayment term. Limited time offer. United Heritage policies, terms, conditions and restrictions apply. Existing United Heritage loans not eligible. Rates and fees subject to change without notice. 1Closing costs may apply. Applicable Texas Home Lending Rules apply. Equal Housing Opportunity. NMLS #630601