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 5.50% APR variable (Prime Rate + zero)*
  • No Fees or closing costs
  • Visa Platinum Card for convenient access to funds

Special Offer


3.99% APR FIXED for 6 months***

4.99% 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.

  • 5.50% 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 Expert

Call us:


Text us***:


Visit with us in person:

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.

***By sending a text message, you consent to receive a text message response from USU Credit Union. Your provider's message and data rates may apply.

Have a USU Credit Union Home Loan Specialist contact you:

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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 for of 3.99% APR fixed for six months or 4.99% APR Fixed for 12 months for cash advances or $10,000+ on new or existing Cashliner 4 products. Intro rate effective on qualifying balances made between 02/19/19 and 05/31/19. Intro rate of 3.99% APR Fixed for 6-month option will be applied to qualifying balances through 11/30/19. Intro rate of 4.99% APR Fixed for 12-month option will be applied to qualifying balances through 05/31/20. Following intro period, rate will convert to the member’s risk based prime rate tier.