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Home Equity Line of Credit (HELOC)





When you need financial flexibility

Tap the equity in your home for money you use anytime.

Unlock the financial flexibility you need with a Home Equity Line of Credit (HELOC) from Unison Credit Union. Whether you're planning a home renovation, covering tuition, consolidating debt, or handling unexpected expenses, a HELOC gives you access to funds when you need them—without taking out a lump sum.

With the ability to borrow as needed over time, you’re in control. Use it for big projects, ongoing expenses, or life’s surprises, all while enjoying competitive rates and convenient access to your funds. Tap into the value of your home and make your financial goals a reality.


Flexible Financing with a HELOC

 
You have big plans in mind, and Unison Credit Union has the resources to help you put them into action. With a HELOC, you can take on important projects by accessing your home's equity through a line of credit. The money is available and easily accessible whenever you need it. You don't have to withdraw money immediately, either. It's flexible funding that fits neatly into your timeline. 
 
  • Flexible Access to Funds – Withdraw money as needed through Online Banking, Telephone Banking, or in-branch.
  • Revolving Credit – As you repay the principal, those funds become available again.
  • Accelerated Payoff Options – Bi-weekly payment plans help you pay down your balance faster.
  • No Pre-Payment Penalty – Pay off your line of credit anytime without extra fees.
  • Potential Tax Benefits – Interest may be tax-deductible (consult a tax professional).
  • Personalized Support – A dedicated Member Advisor will guide you through the process.


















View Current Rates

Effective Date:
Loan Type Term Rates as low as* Payments per $1,000
Fixed & Adjustable Rate Mortgages Terms Vary Rates Vary Visit Mortgages Rate Page
Home Equity Loans & Lines of Credit Terms Vary Rates Vary Visit Mortgages Rate Page
Construction & Land Loans Terms Vary Rates Vary Visit Mortgages Rate Page
QuickLend Loan 36 Months 9.99% APR*† $32.28
QuickLend Loan 48 Months 10.99% APR* $25.86
QuickLend Loan 60 Months 11.99% APR* $22.26
QuickLend Loan 72 Months 12.99% APR* $20.09
QuickLend Loan 84 Months 13.99% APR*  $18.75
 
*APR = Annual Percentage Rate. "As low as” APR rate is best available for select terms.
†For homeowners with a new or existing Unison mortgage and checking account. Individual rate, terms and loan approval subject to credit review and membership eligibility. Loan is unsecured and is not a mortgage product. Requires proof of income and owner-occupied property. $30,000, maximum loan.
















Empowering Every Chapter of Life!

Where Convenience Meets Confidence.

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Secure Your Health & Finances

Have a high-deductible health plan? Open a Health Savings Account (HSA) with Unison for tax-free savings on medical expenses. Simple, user-friendly, and stress-free!
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Smart Savings for Bright Futures

Give your child a head start on their financial journey with our Empowering Kids and Empowering Teens accounts. Enjoy competitive rates, exciting deposit incentives, and debit card options designed just for teens. Start building smart money habits today with Unison!
*APR = Annual Percentage Rate. "As low as” APR rate is best available for select terms.
†For homeowners with a new or existing Unison mortgage and checking account. Individual rate, terms and loan approval subject to credit review and membership eligibility. Loan is unsecured and is not a mortgage product. Requires proof of income and owner-occupied property. $30,000, maximum loan.