Refinance Your HELOC,
Get a Low Interest Rate

Get Started

When you refinance your HELOC with UW Credit Union, you'll get a 3.49% interest rate for the first six months,** then a low standard variable rate (as low as 6.00% APR*) thereafter!


Start fresh and refinance to a low
intro rate 

You already know that a home equity line of credit (HELOC) gives you incredible financial flexibility—and we're about to give you even more.

With an immediate $20,000 advance, you'll get a 3.49% introductory APR** to help you take advantage of the equity you already have in your home. After those first six months are over, your rate will move to a standard rate as low as 6.00% APR*.

Plus, you'll also:

  • Enjoy freedom from frustrating fees. You'll get low or no closing costs*, and you won't pay an annual fee or prepayment penalty.
  • Get ongoing access to cash and a 5-year draw period. If your big project doesn't have an immediate end in sight, don't worry—your HELOC is with you for the long haul.  
  • Secure a lower interest rate than other loans. HELOCs are generally cheaper than credit cards—especially when they come with a low, six-month intro rate!
  • Get the option to convert your balance into a fixed-rate loan2Once your introductory rate expires*, you'll be able to lock into a fixed-rate loan! With rates on the rise, this is a great way to guarantee a low rate and financial peace of mind.

Get Started


Another great HELOC offer

If you don't want to advance $20,000 at the time of funding, you're not out of luck! We're also offering HELOCs with 6-month variable intro rates as low as 3.99% APR* (as low as 6.00% variable APR* thereafter) and lower withdrawal requirements.

Worried about the complexity of moving your HELOC from somewhere else? Don't be—our process couldn't be easier, and our lending experts will be with you every step of the way.



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Special Offer: 6-Month Introductory Variable Rate Line of Credit1

Rates as Low as

Standard Variable Rate Line of Credit1

Rates as Low as

Introductory and standard rates shown are available to homeowners with 70% or lower LTV. Contact a UWCU loan expert for information on your rate eligibility.

How do I get my HELOC?


Claim Your Intro APR**

Then, see what your rate could be (as low as 6.00% APR*) after the first 6 months of your HELOC. Checking your rate won't affect your credit score.


Choose Your Loan & Apply

Select the option that works best for you and complete your application.



Submit & Finalize 

Our team will quickly review your application, get your funds secured, and help you pay off your old HELOC.

Get Started

Have questions or need help? 

 Request a Call