Home Equity Line of Credit

Turn Your Home Equity into Cash for Anything You Need

Rates as low as




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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!
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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.

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 7.95 % 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