Home Equity Line of Credit

With a home equity line of credit (HELOC), you can borrow money against one of your greatest assets... your home.

Much like a credit card, a HELOC gives you the flexibility to pay down your credit line and access funds as you need them.

A HELOC is a convenient and cost-effective option to finance home improvement projects or consolidate debt. You can also access the account to pay for vacations, weddings, college tuition, or whatever else life brings your way.

Benefits of a Home Equity Line of Credit

  • Rates as low as 4.75% APR variable (Prime Rate + zero)*
  • No Fees or closing costs
  • Visa Platinum Card for convenient access to funds

Special Offer


2.99% APR FIXED for 6 months***

3.99% APR FIXED for 12 months***

Apply Now

HELOC Rates**

as low as

Interest-Only Home Equity Line of Credit

USU Credit Union is offering a special interest-only Home Equity Line of Credit that can significantly lower your monthly payments and increase your cash flow.

  • Rates as low as 4.50% APR variable (Prime Rate + zero)
  • Interest-only payments for the first five years
  • 20-year term
  • No fees

Apply Now

Speak with a USU Credit Union Home Loan Specialist

Experienced home loan professionals are standing by and are available to assist you right now.

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Find a local USU Credit Union branch

Our home loan professionals are available to answer your questions via call, online chat, text, or email from 9 am to 5 pm Monday – Friday and from 9 am to 2 pm on Saturday. In-person consultation hours vary by branch.

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Prefer a home equity loan with a single, lump-sum of money at a fixed rate?


All rates and offers available for a limited time and subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18%. Fees may apply if closed within 24 months. Click here for a full list of rates and terms.


Members can choose an intro rate of 2.99% Annual Percentage Rate (APR) Fixed for six months through 09/30/2018 or 3.99% APR Fixed for 12 months through 03/31/2019 for cash advances of $10,000+ on new or existing qualifying 20-year term HELOC. Intro rate effective on qualifying balances made between 01/01/18 and 03/31/18. Following intro period, rate on outstanding balances will revert to a variable rate based on the Wall Street Journal Prime Rate plus or minus the margin stated in your original home equity line of credit agreement. If member is opening new line of credit, the stated rate is as low as Prime Rate + zero, based on credit worthiness. Members with existing qualifying HELOCs who take qualifying cash advances electronically will default to 2.99% intro rate option. To request the 3.99% intro rate option, visit with a Goldenwest loan officer. As of 01/01/2018, Prime Rate is 4.50%. Available on approved credit. Other restrictions may apply. Consult a tax advisor on tax liability. Equal Housing Lender. NMLS #440574.