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Home Equity

Apply once and upon approval, you’ll have a source of low-cost funds that’s easily accessible whenever you need it. You pay interest only on the amount you use, so this flexible line of credit is ideal for unexpected purchases or expenses, as well as home remodels, second honeymoons or just about anything you can think of. Apply today, call or stop by. Borrow up to 90% of loan to value.

  • Credit lines of up to $150,000 available.
  • Advances by check
  • Minimum initial advance of $1,000*.
  • No prepayment penalty
  • Home Equity Line of Credit available only on owner-occupied property. (Connecticut properties only) 

Home Equity Loan

Call for rates above 75% LTV.

75% Loan to ValueAPR* As low as
60 Months3.49%
84 Months3.79%
120 Months3.99%
180 Months4.99%
240 Months5.99%


HELOC (Home Equity Line of Credit)

LTVTermAPR* As low as
75% Loan to Value (LTV)300 Months(1)Prime - 1.0%
100% Loan to Value (LTV)300 Months(1)Prime + .50%
Note: Rate Floor equals 3.50% - Rate will not go below 3.50% regardless of Prime Rate  
(1) 120 month interest only draw period, 180 month repayment period.  

Loan rates effective 07/01/2015 and are subject to change without notice.
APR= Annual Percentage Rate. UBIFCU is an Equal Opportunity Lender.
* Prime Rate 3.50% as of 12/17/2015
** For a home equity loan, the maximum line is $200,000
*** For a HELOC, the maximum line is $200,000
**** For a 100% LTV HELOC, the maximum line is $100,000

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